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by pennstater2005
Tue May 26, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Found a great LED deal...$2.49 each.
Replies: 12
Views: 1374

Re: Found a great LED deal...$2.49 each.

$4.97 for me as well except mine says 2 pack so that's under $2.50 a bulb.
by pennstater2005
Sat May 23, 2015 7:38 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6841

Re: Bill Gross Thinks the End Is Near

Browser wrote:Poor stockbugs! What will you do if your lollipop is taken away?


Buy more lollipops?
by pennstater2005
Tue May 19, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Burning files to CD/DVD from late 2008 Macbook
Replies: 9
Views: 686

Re: Burning files to CD/DVD from late 2008 Macbook

^
I'll be trying this tonight if I can get past the spinning wheel of death.
by pennstater2005
Mon May 18, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Burning files to CD/DVD from late 2008 Macbook
Replies: 9
Views: 686

Re: Burning files to CD/DVD from late 2008 Macbook

Thanks for the replies. I'll be honest, a bad disc never even crossed my mind. These DVDs are probably 2-3 years old. They're not sitting in the sun but are on the spindle in the closet. First thing I'll try is another newer disc. Ahimsa, not sure exactly what "master the DVD and save the resul...
by pennstater2005
Sun May 17, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9208

Re: I Hate Vacations

Vacation time for me is time not spent at work.
by pennstater2005
Sun May 17, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Burning files to CD/DVD from late 2008 Macbook
Replies: 9
Views: 686

Re: Burning files to CD/DVD from late 2008 Macbook

Thanks. That is for Macs without iDVD. I actually have that. That's how I tried to create the first one but got the error. I'll have to try it again.
by pennstater2005
Sat May 16, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Burning files to CD/DVD from late 2008 Macbook
Replies: 9
Views: 686

Burning files to CD/DVD from late 2008 Macbook

I have a late 2008 Macbook aluminum body. It is running the current OS. I tried burning home movies on the MacBook to DVD once before but got an error during burning. I can't remember the exact error message. Does anyone know how to do this? I want to burn the movies into a playable format once put ...
by pennstater2005
Thu May 14, 2015 7:45 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5020

Re: Why is Vanguard's Web Site So Bad?

Maybe they don't think their website is that bad. I don't have any issues with it. I log on and can buy, sell, check balances, get tax forms, see transactions, etc. without a problem.

Is it not pretty enough?
by pennstater2005
Tue May 12, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9208

Re: I Hate Vacations

I like taking a Thursday and Friday off for a long weekend. And I can do this many times throughout the year as I only use a small amount of hours each time. Last vacation I took was five years ago to Marco Island, Florida. All I did was get up, have coffee, drive to the residents beach and relax an...
by pennstater2005
Mon May 11, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4645

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

Some folks say if they make a change to their portfolio they know exactly why they did it. But, no matter your reasoning or research into a portfolio change, only in hindsight will you know if it was correct. Vanguard puts reasoning and research into their TD fund changes and the same applies. It se...
by pennstater2005
Fri May 08, 2015 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1904

Re: Happy Birthday Mr. Bogle

Happy birthday Jack!
by pennstater2005
Tue May 05, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3018

Re: How do you keep track of your investments?

As others here, by logging into Vanguard. Everything I need to keep track of is in there.
by pennstater2005
Tue May 05, 2015 12:43 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9698

Re: Forum software upgrade bug reports and change requests

So far so good on my Android phone running Kit Kat. So much easier to view and post now.
by pennstater2005
Mon May 04, 2015 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: young needing advice
Replies: 8
Views: 990

Re: young needing advice

We probably need a little more info to give good advice. Do you have any debt? Do you have an emergency fund? Do you have a 401k at work?

Without knowing anything your plan would be fine. You could do a lot worse.
by pennstater2005
Mon May 04, 2015 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: How do you access Vanguard account?
Replies: 13
Views: 1395

Re: How do you access Vanguard account?

I access it through my smartphone and my MacBook. Both work fine. Transferring my wife's simple IRA I do through the MacBook. Anything else I need to do I can I use either.
by pennstater2005
Sun May 03, 2015 8:52 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 206
Views: 9698

Re: Forum software upgrade bug reports and change requests

I recognize the forum upgrade makes the forum screens look cleaner with fewer unsightly text links hanging about, but the additional scripts required to implement the hidden menu popups and other improvements have slowed my old PC to a crawl. And one incompatible script freezes and gives the "...
by pennstater2005
Sun May 03, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Everyone is saying to get out of Bond Funds? Ignore?
Replies: 41
Views: 4952

Re: Everyone is saying to get out of Bond Funds? Ignore?

To the OP:

My response to the question in your title…..

Everybody is saying something different. Should you ignore it? You can and it probably won't make a difference. I haven't been ignoring it. I've been reading the threads on this but my reaction is always the same.

I do nothing.
by pennstater2005
Sun May 03, 2015 7:11 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 3340

Re: What's new and changed in phpBB 3.1

Sorry, I wasn't referring to you directly. I was making a general comment. Okay, sorry. I'll "generally" try to get used to it. As a practical matter, maybe restricting my use to my desktop would result in less time spent on BH, which is something I indulge in when I should be doing somet...
by pennstater2005
Sun May 03, 2015 4:26 pm
Forum: Forum Issues and Administration
Topic: Selecting a post to follow
Replies: 5
Views: 338

Re: Selecting a post to follow

Regarding logging in, even though I click the "stay logged in" option I seemingly am always re-logging in. Is that something to do with my cookies setting? Maybe something else?
by pennstater2005
Sun May 03, 2015 4:04 pm
Forum: Forum Issues and Administration
Topic: Selecting a post to follow
Replies: 5
Views: 338

Re: Selecting a post to follow

I must not have been because now I can see it. Thanks.
by pennstater2005
Sun May 03, 2015 2:03 pm
Forum: Forum Issues and Administration
Topic: Selecting a post to follow
Replies: 5
Views: 338

Re: Selecting a post to follow

When I click the little wrench the only option that shows is "print view".
by pennstater2005
Sat May 02, 2015 9:21 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 3340

Re: What's new and changed in phpBB 3.1

When I click on # replies it goes to a general error page. Not sure why.
by pennstater2005
Sat May 02, 2015 7:59 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1550

Re: Forum is now back ONLINE!

Threads look exactly like they should on my smartphone. No more pinching and zooming :D
by pennstater2005
Sat May 02, 2015 7:45 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1550

Re: Forum is now back ONLINE!

Thanks to all who work so hard to keep this forum running, moderated, and up to date. Can't wait to see what the update did for the mobile application!
by pennstater2005
Sat May 02, 2015 7:01 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4727

Re: Oh yuck, what just happened to the font?

Munir wrote:My browser is chrome 42 on Windows 7. I tried everything and nothing works to get rid of the "yuk" font.

Is the R for refresh the letter R? Excuse my novice status.


Did you shut it down? I tried reboot too but it didn't work. Shutting it down did.
by pennstater2005
Fri May 01, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to take out student loans
Replies: 2
Views: 413

Re: Where to take out student loans

Two links for you:

http://www.phef.org/plaintext/home/home.aspx - Interesting 2% rate while in school and then 6% after graduation.

http://www.simpletuition.com - A student loan search engine.

Both with good BBB ratings. (Not sure if that means much anymore though)
by pennstater2005
Fri May 01, 2015 8:20 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3601

Re: Polls Disabled

The polls might have been entertaining but I agree most were meaningless. (including one I think I started :D ) LadyGeek said it best in this recent "Household Gross Income Poll" noting that at the time she wrote the post only 324 members had voted out of over 32,300 registered members wit...
by pennstater2005
Thu Apr 30, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund or Other?
Replies: 19
Views: 2294

Re: Total Bond Index Fund or Other?

Sometimes I like to just go to Vanguards website and read the product summary to get a quick synopsis. It has a total of 7477 bonds. 30% in corporates and 70% US gov't bonds of varying maturities. It's diversified. Don't over think this. Down the road someday you may need to make changes but I imagi...
by pennstater2005
Tue Apr 28, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 32
Views: 3407

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: I don't see ...
by pennstater2005
Sun Apr 26, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 32
Views: 3407

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 11:57 am
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2960

Re: What is a Boglehead?

Agree to disagree :D
by pennstater2005
Sat Apr 25, 2015 7:27 am
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2960

Re: What is a Boglehead?

Nobody knows nuthin!
by pennstater2005
Sat Apr 25, 2015 6:09 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4780

Re: Who follows Age in Bonds

It boils down to need, ability, and willingness to take risk.
by pennstater2005
Fri Apr 24, 2015 9:45 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4780

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
Thu Apr 23, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11121

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 12:16 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3949

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
Wed Apr 22, 2015 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6750

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
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: 7135

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
Sat Apr 18, 2015 8:56 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13511

Re: John Bogle's Don't Peek Challenge

I only lasted a day.
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: 1907

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 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Schwab Bank Investor Checking down to 0.06% APY
Replies: 9
Views: 1269

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
Fri Apr 17, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 41384

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
Thu Apr 16, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 41384

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
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: 5924

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
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: 5924

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
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: 9289

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 7:11 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5314

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
Thu Apr 09, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4448

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
Wed Apr 08, 2015 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4448

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.

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