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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 Finance (Not Investing)
Topic: What do you splurge on?
Replies: 98
Views: 4245

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 Finance (Not Investing)
Topic: What do you splurge on?
Replies: 98
Views: 4245

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: 85
Views: 8561

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: 32
Views: 2124

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: 32
Views: 2124

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: 32
Views: 2124

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: 32
Views: 2124

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: 53
Views: 6204

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: 109
Views: 8305

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: 4524

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: 6324

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: 6324

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: 1090

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: 85
Views: 8561

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: 4458

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: 1334

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: 6136

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: 4457

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: 3092

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: 3105

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: 7394

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: 7394

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: 10918

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: 10918

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: 10918

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: 4837

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: 10918

Re: How do you wash your car?

Who knew there were so many ways to wash, or not wash, a car :D
by pennstater2005
Tue Oct 21, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7080

Re: Feeling very fortunate today!

StarbuxInvestor

Maybe I'm wrong......no, I'm probably wrong, but I think you're overthinking things. When it's the right time I think you will know it. But, until then I wouldn't post anymore dates. You're gonna get reamed, public forum and all. I wish you luck.
by pennstater2005
Tue Oct 21, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 55
Views: 7228

Re: How do you wash your car?

...................To answer the question regarding never wash / wax the car: bird dropping, saps, etc erodes the clear coat. You'll have more chance of clear-coat peeling off if there's no wax on the it and those elements are never removed. If you don't care about the appearances, then I guess it ...
by pennstater2005
Mon Oct 20, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7080

Re: How do you wash your car?

Last time I washed the car it was raining and so I ran in the garage and grabbed the scrub brush. No soap needed. Looked worse after I was done.
by pennstater2005
Mon Oct 20, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7080

Re: Anyone cancelling travel plans?

I've canceled everything, including work, until this blows over.
by pennstater2005
Sun Oct 19, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6409

Re: "I've had it" at work - how often

Not often at my job. I'm fortunate to work with a good group of people. Can't say that about every place I've worked though. That's why I've been here 8 years now. Since I'm a physical therapist assistant, and not a physical therapist, I have much less responsibility. I just don't have the stress th...
by pennstater2005
Sun Oct 19, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12621

Re: The Final, Definitive Thread on Rebalancing

Thanks stultz. I've been waiting for this :twisted:
by pennstater2005
Sat Oct 18, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 2061

Re: Upgraded to OS X 10.10 Yosemite

Late 2008 MacBook aluminum body. Updated with no issues. I like it but what do I know.
by pennstater2005
Sat Oct 18, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4510

Re: Is it possible to have a favorite movie

Found Das Boot on Netflix. Director's Cut is 3 hours and 28 minutes of reading subtitles. I couldn't talk my wife into that one.
by pennstater2005
Fri Oct 17, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3275

Re: Allow OP to lock thread?

I've gotten help from threads after the OP has received his/her answer.
by pennstater2005
Fri Oct 17, 2014 1:29 pm
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1668

Re: Siren song of increased stock allocation

Tune it all out........stick with your IPS. What does she say? Yes, I assumed your IPS was female :D Get a hobby, or assuming you already have one...do it more! My new thing is trapping moles in my yard at night with my little boy.....ahhh good times.....seriously though he loves it :P
by pennstater2005
Thu Oct 16, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2949

Re: Your personal risk level: Got your flu shot yet?

I do not get the flu shot. Neither do my husband or children. I have gotten the flu twice, once as a child, and once two winters ago - when I had a 4 1/2 week old baby. DH and I had the flu, none of our kids, including the newborn, got it. I was sick, really sick for three days. Some might wonder w...
by pennstater2005
Thu Oct 16, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3202

Re: Your personal risk level: Got your flu shot yet?

Work with patients, up close and personal. I get a flu shot, as do my wife and children - ages 1 and 2. I still get sick and do get the stomach bug occasionally, but not the flu.
by pennstater2005
Thu Oct 16, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3202

Re: What are you up YTD?

Where's Madsinger? He always keeps me updated :D
by pennstater2005
Wed Oct 15, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18596

Re: Clothes Dryer drying very slowly

If it stopped drying or only gets lightly warm you could check the high limit switch. Our dryer did that recently so I removed the back and a wire had melted away from the switch, which had melted as well. Dryer was so old I just bought new.
by pennstater2005
Wed Oct 15, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1970

Re: Relatively new here. What did you do in 2008/09

I was still with a financial adviser who I never really talked to. I just kept putting money each month into a mutual fund. I saw all the big drops on the Nightly News when I would catch it, but honestly really didn't understand how it impacted my money and didn't care. (because I didn't get it yet)...
by pennstater2005
Tue Oct 14, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 9926

Re: New tires, where to buy

I bought my last set of tires from tirebuyer.com (a tirerack competitor). I guess I don't see that there is any extra effort there is in buying tires online. I placed my order, had them shipped to a garage two block from my office, I drop off the car and walk over and pick it up a couple of hours l...
by pennstater2005
Sun Oct 12, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2799

Re: Do you every turn your smart phone off?

Only when it's acting buggy.
by pennstater2005
Sun Oct 12, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2012

Re: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500

Thanks protagonist

That will come in handy when I switch carriers soon.
by pennstater2005
Sat Oct 11, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500 Mb
Replies: 12
Views: 1176

Re: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500

Good information. You mean you just put the SIM card in and the activation just started? Also, I plan on buying the refills through pinzoo.com which is what I do now for my net 10 service. There ate no taxes our fees. You can get h2o refill for $29 and some change. I pay with my amex card for furthe...
by pennstater2005
Fri Oct 10, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500 Mb
Replies: 12
Views: 1176

Re: New tires, where to buy

I typically use Discount tire direct however ended up finding the same tires cheaper, even with shipping charges, at tread depot.

http://www.treaddepot.com/

And I used my AMEX card and saved additional 2%.
by pennstater2005
Fri Oct 10, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2799

Re: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500

I got two SIM cards to try h2o wireless as well. I'll be activating them soon. I got my SIM cards on eBay for a total of $.04 with free shipping. EBay is always the place for SIM cards. Always dirt cheap.
by pennstater2005
Fri Oct 10, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500 Mb
Replies: 12
Views: 1176

Re: Live Speakers You Enjoyed

Jerry Seinfeld.
by pennstater2005
Wed Oct 08, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Live Speakers You Enjoyed
Replies: 12
Views: 719
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