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Re: POLL: why carry cash?

It's a Small World at Disney = Torture

Off topic, sorry. This had to be said.
by pennstater2005
Sun Apr 20, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 163
Views: 3959

Re: Hyundai Equus vs Lexus LS460

One downside to the Equus. It's still not all wheel drive.
by pennstater2005
Sat Apr 19, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Hyundai Equus vs Lexus LS460
Replies: 2
Views: 432

Re: Golfer's elbow treatment

Go see your orthopedist. Or a physical therapist...depending on your state you don't need a Dr.'s prescription for the first 30 days of treatment. It's called direct access. You can look it up here. https://www.apta.org/uploadedFiles/APTAorg/Advocacy/State/Issues/Direct_Access/DirectAccessbyState.pd...
by pennstater2005
Sat Apr 19, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 427

Re: POLL: why carry cash?

schuyler74 wrote:It can easily take over 60 seconds per person when using cash.


I don't know if I've ever had to wait for 60 seconds when someone in front of me was paying cash. Maybe if they paid in all pennies. Now, someone who is writing a check....that's another story.

I occasionally carry cash.
by pennstater2005
Sat Apr 19, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 163
Views: 3959

Re: I need a new coffee maker, any recommendations?

Thanks again for all the ideas. I researched most of the suggestions and liked the Technivorm quite a lot but couldn't get past the price. With a $40 coupon code I ended up buying pretty much the same Bunn I had before. I am way too much a creature of habit. But come on! $40 off and free shipping to...
by pennstater2005
Fri Apr 18, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

Hi, I had tried and experimented many many coffee makers over 20+ years. 1) Mellita -> get the 2 cups version and you can make a fresh cup of coffee quickly instead of letting it sit and get old. http://www.seattlecoffeegear.com/aeropress-coffee-maker?gdftrk=gdfV25576_a_7c1994_a_7c7624_a_7cCFP328A0...
by pennstater2005
Fri Apr 18, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

Hi, I had tried and experimented many many coffee makers over 20+ years. 1) Mellita -> get the 2 cups version and you can make a fresh cup of coffee quickly instead of letting it sit and get old. http://www.seattlecoffeegear.com/aeropress-coffee-maker?gdftrk=gdfV25576_a_7c1994_a_7c7624_a_7cCFP328A0...
by pennstater2005
Fri Apr 18, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

Thanks for all the suggestions. I'm still looking through the responses and researching suggestions.
by pennstater2005
Fri Apr 18, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: Thank you.

Pennstater: Thank you for your reply. Best wishes Taylor No problem. I guess it's not so much the auto drip as it is the speed of the brewing process that I'm looking for. I don't know if any other coffee makers brew in the 3 minutes that the Bunn coffee makers do. Keurigs are popular for a reason,...
by pennstater2005
Thu Apr 17, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: Help me find a good slow cooker

This is the one I purchased back in 2011 (link below). I have had no problems with it whatsoever. It has a 4 or 6 hour "high" setting and a 8 or 10 hour "low" setting. Once it finishes the cook cycle it automatically goes to the "warm" option. I've used it quite a bit. ...
by pennstater2005
Thu Apr 17, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 27
Views: 1310

Re: I need a new coffee maker, any recommendations?

I don't want a Keurig, that's out. I want an auto drip, preferably something fast like the Bunn if that exists. Any ideas? pennstater: Why is a Keurig "out?" What is the advantage of an "auto drip?" Thank you and best wishes. Taylor K cups are more expensive. Keurigs don't heat ...
by pennstater2005
Thu Apr 17, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

If you're going to buy a coffeemaker, buy one that gets it to the right temperature. The Specialized Coffee Brewers of America recommends three home brewers that meet their standards: •Technivorm Moccamaster •Bunn HG Home Brewer •Bonavita 8 Cup Exceptional Brew Coffee Maker with glass or thermal ca...
by pennstater2005
Thu Apr 17, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

Ten years with a Bunn sounds good to me. I've used Bunn makers at home and some at work for probably 25 years and have been happy with them. It sounds as though you have also been happy with the Bunn, so why not stick with it? I may stick with it. I have a Bunn Gr10-W which evidently was recalled q...
by pennstater2005
Thu Apr 17, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

Professor Emeritus wrote::happy Based on past threads, coffee is somewhat more controversial than market timing, religion, politics or sex with hookers. :D

I'm just not going there anymore :beer


Awww....come on, please :P
by pennstater2005
Thu Apr 17, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: I need a new coffee maker, any recommendations?

Phineas J. Whoopee wrote:It isn't what you asked for, but I loves me my Melitta cone manual drip brewer for more than a quarter century now.
PJW


So with this you just pour the hot water over the grounds? Do you microwave the water to get it hot?

HardKnocker,

Thanks but I'm using one of those now as a temporary fix :D
by pennstater2005
Thu Apr 17, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

I need a new coffee maker, any recommendations?

My Bunn just died after 10 years of use and they don't make the part I need for it anymore. I'm looking for recommendations on a new coffee maker. I don't want a Keurig, that's out. I want an auto drip, preferably something fast like the Bunn if that exists. Any ideas?
by pennstater2005
Thu Apr 17, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2186

Re: Toaster Ovens

Amazons best selling toaster ovens if you haven't checked this out already.

http://www.amazon.com/gp/bestsellers/ki ... k_2_4_last
by pennstater2005
Wed Apr 16, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 957

Re: What is your net worth

Negative. Now I'm depressed.
by pennstater2005
Wed Apr 16, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5365

Re: When to let go of financial matters

Thank you. I'll admit right off, my wife and I have no kids, we've have moved to a new area and settled, and have started anew in an area new to us both. We have no acquaintances (relations or otherwise) close by (within distance) to speak of to whom we can turn when it comes to managing finances, ...
by pennstater2005
Tue Apr 15, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to let go of financial matters
Replies: 9
Views: 1840

Re: When to let go of financial matters

Do you have any interest in your own finances? Do you care that you may possibly spend 1% or more to someone to manage your finances? If not, you may be in an appropriate situation to hire someone to do this.
by pennstater2005
Tue Apr 15, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to let go of financial matters
Replies: 9
Views: 1840

Re: New homeowner: lawn care advice

I've used an electric string trimmer and sold it on eBay after the first use. Not nearly enough power for me. It wasn't 40v like some of these newer electric lawn tools though. I also push mowed about 1/2 an acre for the first year we lived in the house. Bought a rider the next year :D I say try the...
by pennstater2005
Tue Apr 15, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3669

Re: New homeowner: lawn care advice

Kobalt has a nice new line of 40V cordless outdoor tools including a lawn mower, blower, and string trimmer. I personally have no experience with them. Just walked by them at Lowes today and they look nice.

http://www.kobalttools.com/products/outdoor.html
by pennstater2005
Mon Apr 14, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3669

Re: Financing the Purchase of Land

With that in mind, my wife and I have talked about less traditional options, like offering to pay their real estate taxes in exchange for the opportunity to buy later. Is that a crazy idea? Yes, it's crazy. How do you know they would hold up their end of that deal? Is it even possible to get that i...
by pennstater2005
Mon Apr 14, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Financing the Purchase of Land
Replies: 6
Views: 577

Re: suggestion for awd luxury sedan

If you are looking at the new Hyundai Genesis you should check out the Hyundai Equus which is their premium luxury sedan. It has a lane departure warning system and blind spot detection among many other options, many standard. Although, no AWD. I believe it is a step above the Genesis. They're prett...
by pennstater2005
Mon Apr 14, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 40
Views: 2962

Re: Best car comparison website

http://www.cars.com

They have a nice side by side comparison tool.
by pennstater2005
Sun Apr 13, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Best car comparison website
Replies: 4
Views: 554

Re: Do target retirement accounts rebalance for you?

A link to the glide path Random Musings is talking about, if you haven't already seen it.

https://advisors.vanguard.com/VGApp/iip ... re=2255253
by pennstater2005
Sat Apr 12, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Do target retirement accounts rebalance for you?
Replies: 3
Views: 425

Re: Woodpeckers...I'm desperate!

I found this which was interesting (link below). It is for a company that does woodpecker control. Evidently if the woodpecker is causing extensive damage a kill permit can be obtained from the federal government which would legally allow one to exterminate the bird. There may be a company in your a...
by pennstater2005
Sat Apr 12, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3413

Re: A foolish investor?

Some would say if you are making up for lost time, increase your savings rate not your amount of risk. To each his own though.
by pennstater2005
Fri Apr 11, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: A foolish investor?
Replies: 13
Views: 1548

Re: Improvement needed

I had an account with Raymond James. The adviser was someone my wife knew as well as my wife's father. Nice enough guy. I transferred the accounts out and into Vanguard and never heard from him again. This might make you feel better......or not :happy http://www.bogleheads.org/forum/viewtopic.php?f=...
by pennstater2005
Fri Apr 11, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 1734

Re: A story, and a feeling of financial under-accomplishment

Whenever I am feeling stressed about money, or most anything really, I try to remember if that if I have a roof over my head, am warm and dry, have a meal in my stomach and physical safety, I am better off than probably 95% of the people in the world. We expect so much when we really need so little...
by pennstater2005
Fri Apr 11, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4161

Re: Some websites are.......

Random Musings wrote:
pennstater2005 wrote:I'm still in the accumulation phase and hope for a correction. I'm tired of buying in at new highs.


Then you would have not wanted to been an investor from the period from 1974-2000. Lots of new highs them. You would have been exhausted. :)

RM


This is very true!
by pennstater2005
Fri Apr 11, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 14
Views: 1231

Re: Some websites are.......

I'm still in the accumulation phase and hope for a correction. I'm tired of buying in at new highs.
by pennstater2005
Fri Apr 11, 2014 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 14
Views: 1231

Re: Getting over huge mistakes

I'm 35 with a negative net worth, so there's that.
by pennstater2005
Thu Apr 10, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting over huge mistakes
Replies: 30
Views: 3297

Re: Favorite Investing Book?

The Investors Manifesto by Dr. Bernstein. Simple, easy to understand, and a quick read.
by pennstater2005
Wed Apr 09, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3203

Re: Brown bagging in a more formal office

I use to eat out for lunch, not because others did, but because I was too lazy to pack one. Now I bring my lunch in a plastic Lowes bag and save lots of money. I still hate packing my lunch :annoyed
by pennstater2005
Wed Apr 09, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3024

Re: Outage on 4/5/2014?

I went to the Morningstar Diehard site and read some old posts. Then I went outside. The sun hurt my eyes.
by pennstater2005
Sun Apr 06, 2014 1:50 pm
 
Forum: Forum Issues and Administration
Topic: Outage on 4/5/2014?
Replies: 14
Views: 1062

Re: Please Try Out Test Posts Here

Scroll down to the post of interest, then swipe (select) the desired section with your mouse. Hit the "Quote" button in the top right corner of the post you've just swiped. Just trying this to make sure it worked. Edit: It did. Thank you very much LadyGeek. Never would've figured that out...
by pennstater2005
Sat Apr 05, 2014 4:13 pm
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 190
Views: 93538

Re: Please Try Out Test Posts Here

How do I snip quotes?
by pennstater2005
Sat Apr 05, 2014 3:37 pm
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 190
Views: 93538

Re: How are you preparing for the coming bear market

dbr wrote:
pennstater2005 wrote:Wait, so we're in a bull market? Why didn't someone tell me :(


http://money.cnn.com/2014/03/06/investi ... ive-years/


I was being sarcastic :happy
by pennstater2005
Sat Apr 05, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7804

Re: How are you preparing for the coming bear market

Wait, so we're in a bull market? Why didn't someone tell me :(
by pennstater2005
Sat Apr 05, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7804

Re: Buying for someone who "has everything"

For Christmas my dad, whom we tell not to buy anything, buys my wife and I toothpaste, laundry detergent, shaving cream, etc. I haven't bought any of that stuff for years. Not exciting but very useful. Saves me some dough :happy
by pennstater2005
Fri Apr 04, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2296

Re: Death of co-worker

My sister and brother-in-law died, unexpectedly, Her death gave me a better perspective, for a while. Time has now dulled the sorrow and shocking news and I'm back to worrying about those things that have no importance in the scheme of life. This is great. How long did the gratitude last before you...
by pennstater2005
Wed Apr 02, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9282

Re: Paying student loans vs Losing compounding interest

I'll be honest here. Most of the math here goes way over my head. Not exactly my strong point. I do appreciate all the thoughtful responses and am trying to decipher each as best I can. As I said before I will put extra money towards the high rate debt and continue to fund the investments as much as...
by pennstater2005
Wed Apr 02, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

and life circumstances (home, 3rd child->minivan) have made my decision for me.


That is where I'm at now. Life circumstances! All my own choices though.

Edit to add: I obviously don't know how to snip quotes.
by pennstater2005
Tue Apr 01, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

Our situations are very similar, so thank you for posting this! We have 3 children (most recent born in December), about $50k in student loan debt. 2 paid off cars. Similar income, although my wife is a SAHM. Mortgage total is around $130k ($118k 1st, $12k HELOC balance) I can share what my current...
by pennstater2005
Tue Apr 01, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

The loan repayment money would go into retirement savings once the loan was paid off. I'll definitely get the match from the simple IRA. Then I'm leaning toward putting some of the extra money to pay off the higher interest student loans as well as some towards one of the other IRAs. So, a little bi...
by pennstater2005
Tue Apr 01, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

Jimb

That's going to take some time for me to digest. Thank you for the response. It makes sense on paper however why does the general consensus here always seem to be to pay down high interest debt first?
by pennstater2005
Tue Apr 01, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

Ketawa

No 401k. And you are right. I won't be maxing tax advantaged accounts anytime soon. So you're saying get match from simple and then all extra money that would be going to high rate loans and once those are paid off then continue to put money into Tira/Roth?
by pennstater2005
Tue Apr 01, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

Age Him 35 Her 27 Combined income 60,000 Tax bracket 15% 2 kids Cars paid off No credit card debt Mortgage at 4.5% 80,000 Student loan debt total of 60,000 of which 15000 is at 6.8%. Wife has simple IRA and we do get match and then contribute into Tira. Not maxing tax advantaged accounts out as our ...
by pennstater2005
Tue Apr 01, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597

Re: Paying student loans vs Losing compounding interest

A couple differing opinions already. I am considering continuing to invest while directing extra money at least to the higher rate loans. Currently were only investing about 10% of income due to student loan debt. The high rate loans are all 6.8% and the rest are all 3.25% or less most at 2.35%. I w...
by pennstater2005
Tue Apr 01, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2597
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