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Re: WHY is retirement enjoyable / something to look forward

Where have all the common sense people gone? That's what some people ask at work on a daily basis during their final working months. At one point they find themselves feeling like this guy "I am the unwilling, led by the unqualified, doing the impossible, for the ungrateful." My recommend...
by pennstater2005
Tue Dec 16, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 137
Views: 7739

Re: Feeling very fortunate today!

Sometimes I think a little financial event like we are having is good for clarity. I have been thinking about simplifying my portfolio a bit. Getting rid olf some very small postion and goin down to 5 or 6 funds. Well our little financial tremor made me want to do something so why not something pro...
by pennstater2005
Tue Dec 16, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 70
Views: 10332

Re: Ex-manager(s), and you?

I've lost contact with most past managers however did not leave any job on bad terms.
by pennstater2005
Sun Dec 14, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ex-manager(s), and you?
Replies: 11
Views: 1344

Re: Most/Least Boglehead 2014 Activity?

Most: Ignoring the noise.

Least: Sometimes not ignoring the noise.

Most(again): Not acting on sometimes not ignoring the noise.

:?
by pennstater2005
Sun Dec 14, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 73
Views: 6411

Re: Why don't YOU follow Buffett's advice?

Buffet doesn't live my life, nor may he want to :happy I do appreciate his affinity for Dairy Queen.
by pennstater2005
Wed Dec 10, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8068

Re: A Visit toPittsburgh

I've heard that the The National Aviary - The Nation's Premier Bird Zoo is worthwhile. It is, if you're into flying animal things. Yes, I am. I'm also into sports. If I went to Pittsburgh, I would definitely take in a Pens (hockey) game. They won't like my jersey colors, though. :) Won't like is a ...
by pennstater2005
Wed Dec 10, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 1951

Re: forumsee.com mirroring Boglehead content. Authorized?

I've actually used forumsee before just browsing through old content. Must've come up in a Google search before the Boglehead site.
by pennstater2005
Mon Dec 08, 2014 4:55 pm
 
Forum: Forum Issues and Administration
Topic: forumsee.com mirroring Boglehead content. Authorized?
Replies: 14
Views: 2604

Re: Amazon.com price roller coster

^
Not my experience. I bought a safe a few years back. It dropped in price soon after. I contacted CS and complained to no avail. Maybe that's changed. Typically I do have very positive customer service.
by pennstater2005
Sun Dec 07, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com price roller coster
Replies: 31
Views: 4010

Re: Amazon.com price roller coster

Cat litter genie in white usually $19.99 - right now $9.99 I just got it and plan on using regular 10 gallon waste bags instead of the refills which are expensive. I see price fluctuations all the time. I thought it was gonna be more expensive by the time I added it to my cart.
by pennstater2005
Sun Dec 07, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com price roller coster
Replies: 31
Views: 4010

Re: Giving money to your alma mater: Have to vent

I like to return a copy of my current student loan debt with a few boxes for them to check noting how much they would like to donate. I don't get many of those letters anymore :D
by pennstater2005
Thu Dec 04, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16556

Re: Bah Humbug [managing Christmas spending]

Three years ago my siblings and our spouses, along with all our parents, decided we would each pick a charity to give to (be it time, money, handmade items, etc..) rotating yearly amongst each family. It has worked out great. This year we are doing http://www.mystuffbags.org. Give it a look :happy
by pennstater2005
Sun Nov 30, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4616

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Good info Carl. My two that popped up almost immediately were at the same grocery store at 2 different times during the day. The third was at a beer distributor that was on the list although as Carl noted it per Amex terms and conditions could've been an error/inaccuracy. Oh well, I'll still take th...
by pennstater2005
Sun Nov 30, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Leif wrote:I got an email from AmEx on two of the three purchases. The time shows they are sent around the same time as the purchase. I did not get one confirmation email. Should I be concerned?


Same thing happened to me.
by pennstater2005
Sun Nov 30, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: Documentaries to recommend?

Anything done by Werner Herzog: Into the Abyss - 2 men convicted of a triple homicide. Little Dieter Needs to Fly - This was made into the movie "Rescue Dawn" Grizzly Man - About Timothy Treadwell and his interaction with grizzly bears Check out wikipedia for a full list. He narrates very ...
by pennstater2005
Sat Nov 29, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 87
Views: 6965

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Unless I'm missing something: American Express co founded this movement in 2010. I live in a small town and most places here do not take American Express because of the higher merchant fees they charge. I'm assuming they don't waive the fees for this day or maybe they do. My hardware store doesn't t...
by pennstater2005
Sat Nov 29, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Bought some milk and donuts at local store and spent just over $10 and almost immediately received an email from amex thanking me and noting I will receive the statement credit within 90 days.
by pennstater2005
Sat Nov 29, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: What are your plans for Thanksgiving Day?

I'll watch football and eat some turkey and dinner rolls. Then go mow the grass.
by pennstater2005
Wed Nov 26, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: What are your plans for Thanksgiving Day?
Replies: 6
Views: 622

Re: TIM HORTON AND BURGER KING MERGER

Have your feelings about Tim Hortons changed? If you are unsure abstain from voting. No one can tell you anything with any certainty regarding this.
by pennstater2005
Tue Nov 25, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tim Horton shareholder - what to do about Burger King Merger
Replies: 14
Views: 2059

Re: Discover Card - New Deal

The cash rewards for any amount, is that a permanent change or just for the holidays?
by pennstater2005
Tue Nov 25, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Discover Card - New Deal
Replies: 13
Views: 2037

Re: Bogleheads, anyone doing "Black Friday"

From my couch, maybe the chair, possibly from bed :beer
by pennstater2005
Mon Nov 24, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5667

Re: Do you use a phone book?

Have used one at work occasionally, however dont keep one in the house. They make decent fire starting material.
by pennstater2005
Mon Nov 24, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2137

Re: Vanguard launches new offering ... [Vanguard merchandise

drawpoker wrote:Tacky. Really tacky.

Coffee mugs, teeshirts, ballcaps are appropriate for some things. But a respected mutual funds brand? What does WSJ have to say about this?

At first I thought this thread was some sort of practical joke, a hoax. Guess not. :shock:


Some of us like tacky.
by pennstater2005
Sun Nov 23, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12922

Re: What percent "Boglehead" are you?

I belong to bogleheads.org but never thought of myself as a boglehead. Not sure why. Just a guy who now invests regularly and wisely. I invest according to both principles espoused here and to my IPS but not to what any one individual believes or states.
by pennstater2005
Sat Nov 22, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7683

Re: What doyou splurge on?

1.Good beer. 2. We host many dinners with friends and family to share the good beer with. 3. High quality tools, I like to work on stuff. Definitely high quality tools and lots of them. Hate not having the right tool when doing a project. What kind of tools? Wood working, metal working, automotive,...
by pennstater2005
Fri Nov 21, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 233
Views: 20120

Re: What doyou splurge on?

dbCooperAir wrote:1.Good beer.
2. We host many dinners with friends and family to share the good beer with.
3. High quality tools, I like to work on stuff.


Definitely high quality tools and lots of them. Hate not having the right tool when doing a project.
by pennstater2005
Fri Nov 21, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 233
Views: 20120

Re: Vanguard launches new offering ... [Vanguard merchandise

leonard wrote:Not sure how I missed this thread.

Just ordered one of each of all the T-shirts and one of the bumper magnets.


I thought it was a new fund at first but looked anyway.
by pennstater2005
Fri Nov 21, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12922

Re: Get up to $30 back per Amex card (Small Business Sat, 11

^ Thanks. I have the card through FIA.....so no go :( Funny you say that. I have the amex through fia and it registered fine. I used at last years promo too. Odd that yours won't work. I would try it again. I think they're now talking about the McDonald's deal (maybe?). Correct, if you read my post...
by pennstater2005
Thu Nov 20, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: Get up to $30 back per Amex card (Small Business Sat, 11

^
Thanks. I have the card through FIA.....so no go :(
by pennstater2005
Thu Nov 20, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I am going to get 4 free meals. There is also spend $5 McD get $5. Ha.. thanks for the heads up. I added the McDonald's offer to my card. Went to McD's for lunch and when I got home and checked I had an email from Amex saying they'd noticed I used the offer. :) Where did you sign up for the McDonal...
by pennstater2005
Thu Nov 20, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Thanks for the link. I signed up and found that pretty much any business in my small town will work. I found my local grocer, beer distributor, Chinese place, restaurants, auto body shops, and a ton more. I'll use my $30 worth of credits easy. I have the Fidelity Amex card and had no issues register...
by pennstater2005
Thu Nov 20, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7166

Re: How To Invest Your Emergency Fund?

Personal preference here: Half in Ally online savings account for instant access and half in Lifestrategy conservative growth for a taste of equity (few days to access but credit cards could easily hold that over).
by pennstater2005
Wed Nov 19, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 14214

Re: how to make money like a billionaire

Author Tony Robbins occupation on Wikipedia listed as an American life coach..... think I'll just stop right there.
by pennstater2005
Tue Nov 18, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 11747

Re: How often do you go out to dinner?

Couple times a month. I'm talking lunch or breakfast more so than dinner.
by pennstater2005
Mon Nov 17, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 5572

Re: Does anyone here make "fun" purchases.

Crimsontide,

The fridge would definitely count :D
by pennstater2005
Fri Nov 14, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8597

Re: Does anyone here make "fun" purchases.

I'm assuming most of us are adults. You see something you want and you either buy it or you don't. My gut usually tells me which.
by pennstater2005
Fri Nov 14, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8597

Re: How Do You Use the VIX (Fear & Greed Index)?

Whoa. That's serious. Never heard of it though.
by pennstater2005
Thu Nov 13, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: How Do You Use the VIX (Fear & Greed Index)?
Replies: 15
Views: 1250

Re: Vanguard launches new offering ...

I like the bumper sticker and the #atcostinvestor t shirt. Thanks for the link. Maybe Christmas! My wife will just laugh.
by pennstater2005
Wed Nov 12, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12922

Re: Messy baby restaurant etiquette

We always clean up after our kids, ages 1 and 3. Although we don't go to fancy restaurants with them. Just Wendy's and such. But we still always pick the food up off the floor and off the table and wipe up any excessive messiness. Edited to add: I just looked above at Kosmo's post and see we share p...
by pennstater2005
Sun Nov 09, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4764

Re: What individual stock?

Coca Cola. Paying dividends since 1893.
by pennstater2005
Thu Nov 06, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: What individual stock?
Replies: 20
Views: 1424

Re: 22, I want to be rich, looking for a high reward fund

Matt68 wrote:I don't want to gamble but index funds seem so conservative,
snip

How is the nearly 90% stocks in the 2055 fund you're in conservative?
by pennstater2005
Thu Nov 06, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6433

Re: What do you set your thermostat to (in F)?

Western PA. Cape cod home which are notorious for cold upstairs due to structure itself, Kneel walls and all. So 70 because the kids are upstairs and I'm struggling to get the heat right in the girls room.
by pennstater2005
Wed Nov 05, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4618

Re: What online banks do you like for savings or MMA?

I know you said ally was already known but they're good. I do all banking with them now and use a local bank for cash deposits if needed. Dropped my credit union as they had low interest rates, had to pay for checks, and online setup was marginal at best.
by pennstater2005
Wed Oct 29, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 3149

Re: Men's Personal Hygiene Products

Anyone ever try Dollar Shave club? The commercial is pretty funny anyway.
by pennstater2005
Wed Oct 29, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3135

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord. Most of the deaths were caused by injuries to the face/neck area, so you might want to add a helmet as well. Of course, you could also refrain from trying to joke about a situation that has killed and/or injured hundreds so far. Unless you were ser...
by pennstater2005
Mon Oct 27, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord.
by pennstater2005
Mon Oct 27, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: How often do you change your car's oil?

^
I don't use synthetic oil.
by pennstater2005
Sun Oct 26, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12284

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) Is there a reason you do it at the dealershi...
by pennstater2005
Sun Oct 26, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12284

Re: How often do you change your car's oil?

Honestly, I was surprised by the thread about washing cars and it seemed most hardly washed their cars at all. So I was wondering, how often do you change your car's oil? I'm not very good at keeping records but I'd say at least once per year and usually around 5K to 10K miles. If I find most never...
by pennstater2005
Sat Oct 25, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12284

Re: Time For Me to Kick Wellington Through The Goalpost of L

I like Wellington, based on past performance :happy What? Don't look at me like that :wink:
by pennstater2005
Fri Oct 24, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4934

Re: How often do you change your car's oil?

Every 5,000 miles. Give or take.
by pennstater2005
Thu Oct 23, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12284
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