Search found 1627 matches

by pennstater2005
Fri Aug 28, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5850

Re: If stocks dropped 30% next Monday, would you rebalance?

Well, technically I wouldn't have to do anything about it as my Lifestrategy fund would do the rebalancing for me. During this most recent drop I just added my monthly money for my wife and I as usual.
by pennstater2005
Tue Aug 25, 2015 5:36 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11457

Re: How are you being GREEDY when others are fearful?

By continuing to purchase my monthly amount of mutual fund shares like normal. It doesn't feel greedy though.
by pennstater2005
Mon Aug 24, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 189
Views: 20627

Re: The Bogleheads' Silent Majority

Did the second of my twice monthly investments I make. Aside from that, just listening to my co-workers fret and talk about pulling all of their money out of the stock market :oops: Someone may have already mentioned it but the "most users ever online" new record was this past Monday with ...
by pennstater2005
Sun Aug 23, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Scoring a deal on a boat
Replies: 31
Views: 3058

Re: Scoring a deal on a boat

Do you want an inboard/outboard motor or just an outboard? If I had to do it again I would opt for the outboard only models for some of the reasons listed here. http://www.nauticstarboats.com/why-buy-a-four-stroke-outboard-vs-inboardoutboard-stern-drive/ Also, the outboard motor, if you have any mec...
by pennstater2005
Fri Aug 21, 2015 8:09 pm
Forum: Personal Consumer Issues
Topic: Orange is the New Black
Replies: 17
Views: 2618

Re: Orange is the New Black

Bask in the afterglow of that show...each season gets exponentially worse. So no, don't waste any more of your life on it ;-) Unfortunately I have to agree with this assessment. The first season was decent. I could barely watch the last one. Agreed. Second season I barely got through. Third season ...
by pennstater2005
Tue Aug 11, 2015 7:57 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 95
Views: 11402

Re: Why not add a "like" button to Boglehead posts?

This again? I would only go for this if I could "like" my own posts as many times as I wish. That would make me feel really special.
by pennstater2005
Sat Aug 08, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3975

Re: iPad - usefulness?

I use an iPad at work for physical therapy documentation. It works exceptionally well for that. Lightweight and long battery life. Both important for me having to carry it around all day and having to plug it in to charge not really an option. At home though, Macbook and smartphone are fine and I ha...
by pennstater2005
Sat Aug 08, 2015 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5818

Re: Congrats to Laura Dogu

Congratulations Laura! Can't hurt to have that on your resumé :D
by pennstater2005
Mon Aug 03, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth Insurance Ratings
Replies: 11
Views: 671

Re: Genworth Insurance Ratings

Have you tried this comparison website? http://www.term4sale.com I used this for a 20 year term policy and ended up going through Genworth. My local, independent agent that I use ended up comparing a few for me and Genworth ended up having the best premium. At the time I purchased my policy, and my ...
by pennstater2005
Mon Aug 03, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2785

Re: Crab Grass

Could check out http://aroundtheyard.com/ . Good advice. I'm a member there and have received great advice in all areas of lawn care. It's worth a look. If you do go there find and read the article about the "triangle approach". I did this and my grass, and I mean actual grass - no salad ...
by pennstater2005
Mon Aug 03, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13785

Re: Would you look down on a co-worker for driving a beater?

I still drive my 2007 Accord. Left rear bumper cracked and right front fender dented. Both from cars I hit in my own driveway. I think I might be the co-worker driving the beater. No, couldn't be. Nobody's said anything to me yet.
by pennstater2005
Fri Jul 17, 2015 9:36 pm
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 2477

Re: Does anyone else have to continually login?

I've always had this issue. I click remember me. I've done other things with the cookies to try and ensure a continual state of log in. But, alas I can't seem to keep logged in. So sad. Luckily for me though chrome remembers my password and it's automatically entered thus rendering my life easy and ...
by pennstater2005
Fri Jul 17, 2015 8:57 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11540

Re: The "No Bonds" portfolio

Long time no read "why bonds." I have not read one of the why bonds conversations in a couple of months--it is possible that I missed a couple of them. Seem to be both "Why bonds" and "Oh my god, equities might fall" threads (and various versions like "protective ...
by pennstater2005
Fri Jul 17, 2015 8:29 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1791

Re: Getting rid of moles & voles (rodents)

If one researches further it would be found that earthworms are a moles primary food source, not grubs. I have seen that mentioned as well. We will probably just live with the ones we have and let the owls have their way with them. We live on the water and unless there is something that has potenti...
by pennstater2005
Fri Jul 17, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1791

Re: Getting rid of moles & voles (rodents)

If one researches further it would be found that earthworms are a moles primary food source, not grubs.
by pennstater2005
Thu Jul 16, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1791

Re: Getting rid of moles & voles (rodents)

Thanks for all the suggestions! There were a few ideas I'd never have thought of. Juicy Fruit gum was one. Explosive charges connected to a motion-switch was an idea I wouldn't have thought of. :D I do have some blasting caps that I found 40 years ago, I've been warned that the explosive in them mi...
by pennstater2005
Fri Jul 10, 2015 3:11 pm
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 4127

Re: John Bogle vs. the Bogleheads

As many know, I follow Jack to the letter. Oh really, is that so? Jack Bogle says that the total bond market index is broken because it is overweight in treasuries and so he invests in corporate bond funds too, do you do that? Jack Bogle invests in muni bond funds, do you do that? Jack Bogle invest...
by pennstater2005
Fri Jul 10, 2015 12:26 pm
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 4127

Re: John Bogle vs. the Bogleheads

As many know, I follow Jack to the letter. Oh really, is that so? Jack Bogle says that the total bond market index is broken because it is overweight in treasuries and so he invests in corporate bond funds too, do you do that? Jack Bogle invests in muni bond funds, do you do that? Jack Bogle invest...
by pennstater2005
Wed Jul 08, 2015 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA to IRA Transfer
Replies: 26
Views: 768

Re: SIMPLE IRA to IRA Transfer

^
I think you're good to go then :happy
by pennstater2005
Wed Jul 08, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA to IRA Transfer
Replies: 26
Views: 768

Re: SIMPLE IRA to IRA Transfer

I think I've read they cannot charge a fee, but that may apply to something else. Look on that link I provided earlier. I'm not sure the prohibition against fees is in general or just against transferring to another SIMPLE but I suspect both. I believe you are right. I did try using google to find ...
by pennstater2005
Wed Jul 08, 2015 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA to IRA Transfer
Replies: 26
Views: 768

Re: SIMPLE IRA to IRA Transfer

retiredjg wrote:I too suggest using money market only in the SIMPLE - I don't think I've ever seen one with a load.


And I haven't either. I think this was suggested to me here at some point to use the MM. It was good advice. You give them $100 and only $95 goes in with a 5% sales load. Bad deal :x
by pennstater2005
Wed Jul 08, 2015 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA to IRA Transfer
Replies: 26
Views: 768

Re: SIMPLE IRA to IRA Transfer

Trust me, I didn't know anything about it either until I joined here. When I say I put the money into the MM fund that is only because it is the cheapest option available with no sales load. You may have better options in your wife's Simple IRA than mine and thus I would use the appropriate funds th...
by pennstater2005
Wed Jul 08, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA to IRA Transfer
Replies: 26
Views: 768

Re: SIMPLE IRA to IRA Transfer

Why do you even need to make contact with this adviser? When I began making transfers out of State Farm to Vanguard (Simple to Traditional) I never had to contact anyone from State Farm (Simple custodian) to make it happen. I just have the money put into the money market fund with State Farm, no sal...
by pennstater2005
Wed Jul 08, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 530
Views: 76600

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
Sun Jun 28, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5982

Re: Squirrel nemesis

Generally, my first inclination would be to terminate the squirrels but as I get older that has changed and I don't resort to that right away. I recently bought these cheap squirrel feeders which is the only reason they come into my yard anymore. The field corn to fill it is cheap. http://www.fleetf...
by pennstater2005
Wed Jun 24, 2015 8:48 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28724

Re: What ratio are you stocks/bonds and how old are you?

80/20 at age 36. Plan to review at age 40.
by pennstater2005
Wed Jun 17, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 7160

Re: How much do your children cost per month?

Mike Scott wrote:Children cost however much money you have.
When we had little income and 3 kids they cost very little.
When we had more money they cost more.


Very true.
by pennstater2005
Wed Jun 17, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8827

Re: Best "All Around Lens" for Nikon DSLRs?

I'm very surprised at the willingness to settle for 18-200 when we now have 16-300 technology in a not-that-much-bigger (and more importantly still single-lens) package. Also you get the 6yr warranty and 3-day repair with the 16-300 (which I've used on other Tamron products, and it really has been ...
by pennstater2005
Wed Jun 17, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8827

Re: Best "All Around Lens" for Nikon DSLRs?

Thanks for all the info. If you are only carrying 1 lens, is there much difference between a 35mm and 50mm lens (assuming they are equally fast)? Which one is better for multipurpose use? Roosevelt. Are you planning any indoor photography? The 50mm lens will be very tight in most situations indoor....
by pennstater2005
Wed Jun 17, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8827

Re: Best "All Around Lens" for Nikon DSLRs?

I'm very surprised at the willingness to settle for 18-200 when we now have 16-300 technology in a not-that-much-bigger (and more importantly still single-lens) package. Also you get the 6yr warranty and 3-day repair with the 16-300 (which I've used on other Tamron products, and it really has been ...
by pennstater2005
Tue Jun 16, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 8827

Re: Best "All Around Lens" for Nikon DSLRs?

I have a D7000 coupled with the 35mm 1.8 and the 18-200mm VR. I leave the 35mm on it most of the time as I can usually "zoom" with my feet. That being said, the 18-200 is an excellent lens and would fit your needs as described in your OP with the exception of, it's not that light. If you'l...
by pennstater2005
Sat Jun 13, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14479

Re: Will we be eating cat food?

Without reading the OP I'm gonna say you will not be eating cat food. I ate some in college after drinking too much. It's terrible. I would go back to work at 70 versus eating cat food. What's sad is if you got poor enough you couldn't even afford some of this cat food: http://www.wag.com/html/sg/hi...
by pennstater2005
Fri Jun 12, 2015 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 66
Views: 8068

Re: Clean investing in a single stock

3Factor wrote:
sdsailing wrote:Oops, I must have strayed off the Bogleheads board again ! :oops:

I'm beginning to wonder if we need an "OT - Non-Bogleheads Type Investing" sub-forum. :confused


Who volunteers to moderate that?
by pennstater2005
Mon Jun 01, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Are you middle class?
Replies: 21
Views: 2725

Re: Are you middle class?

I am exactly in the middle of the middle class bar graph for the middle class rating for my county, Middlefield. Ok, that last part I made up. Interesting and pointless. That killed about thirty seconds, now what :P
by pennstater2005
Sun May 31, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 2195

Re: Kayak Recommendations

^ $715 was a little shocking to see as their lowest priced kayak. Another thing, my kayak weighs 42# and by no means do I consider that light when lifting it onto the J hooks, dragging it down a low water river, or up out of the river over an embankment especially when it's full of gear. I stuffed m...
by pennstater2005
Sun May 31, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 2195

Re: Kayak Recommendations

Check out Wilderness Systems. They have some excellent kayaks. I bought a Pamlico 100 years ago and used it on long river trips beating the snot out of it regularly and it held up awesome. I don't think they make the Pamlico anymore. But just perusing their site they have some sweet new models out. ...
by pennstater2005
Sun May 31, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 3477

Re: 60W eq. LED bulb deal alert...

Yeah, I know the email part. I just want to take it back without a receipt or email and say, "I bought this bulb here two years ago". And then they say "ok Mr. pennstater2005 we found you on file go get your new bulb sir. Your hair looks lovely today". That would be ideal.
by pennstater2005
Sun May 31, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: International Bond Fund - Updated Thoughts
Replies: 28
Views: 2594

Re: International Bond Fund - Updated Thoughts

It's in my Lifestrategy fund. I've given it nearly no thought. Is that wrong of me? Now, if the fund starts holding active funds or has crazy high turnover then I might do some thinking.

Otherwise, it's Sunday and my brain is turned to off.
by pennstater2005
Sun May 31, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 3477

Re: 60W eq. LED bulb deal alert...

Just bought four packs of these bulbs at my local Home Depot. Great deal! At 2700K the bulbs are a warm, incandescent type lighting. Although I notice at 800 lumens not quite as bright as the 60W incandescent bulbs I still have in most fixtures. I've tried multiple brands of LED's with the 2700k tem...
by pennstater2005
Tue May 26, 2015 8:03 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 3477

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: 7609

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: 812

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: 812

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: 10834

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: 812

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: 812

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: 5740

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: 10834

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: 5314

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...

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