Search found 892 matches

Return to advanced search

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: 13
Views: 714

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: 25
Views: 2975

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: 7
Views: 1104

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: 7
Views: 1104

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: 44
Views: 2649

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: 44
Views: 2649

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: 564

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: 37
Views: 2471

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: 543

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: 422

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: 3252

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: 1505

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: 1646

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: 4068

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: 1226

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: 1226

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: 3178

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: 2998

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: 2884

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: 1055

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: 93458

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: 93458

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: 7755

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: 7755

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: 2278

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: 9231

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: 2584

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: 2584

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: 2584

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: 2584

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: 2584

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: 2584

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: 2584

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: 2584

Paying student loans vs Losing compounding interest

Is it worth it to lose years of compounding interest from investment contributions to instead direct money to pay down higher interest rate student loans? I'm pretty sure I know the answer but was interested in possible different perspectives.
by pennstater2005
Tue Apr 01, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2584

Re: Warning: Stocks Will Collapse by 50% in 2014

Thanks Rodc .

I'll sleep better tonight knowing there is a crash alert system in place.
by pennstater2005
Mon Mar 31, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2796

Re: Purchasing New Tires for Car and Need Suggestions

Check out http://www.discounttiredirect.com/direct/home.do I've had great luck purchasing tires here. I've bought two sets of all seasons and two sets of winter tires so far. Four years ago I bought four tires for my Honda Accord for $236 (Yokohama Avid touring S) and then $10/per tire to have them ...
by pennstater2005
Sun Mar 30, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2008

Re: POLL: # of funds in ideal/target portfolio?

3 funds. Which is what I hold, well did until Vanguard added international bonds. It's only 3.9% which is neither here nor there for me.
by pennstater2005
Sun Mar 30, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: # of funds in ideal/target portfolio?
Replies: 19
Views: 1281

Re: Poll: how did you decide on stock/bond allocation?

I selected my current AA based on my need to take risk.
by pennstater2005
Sun Mar 30, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 1839

Re: How much water do you drink every day?

I've seen some discrepancies about what the color of your urine means. This chart comes from a reputable source. (Not medical advice)

http://health.clevelandclinic.org/2013/ ... fographic/
by pennstater2005
Thu Mar 27, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2835

Re: How much water do you drink every day?

I don't keep track. Maybe 2 giant coffee mugs worth at work. I don't drink much when I'm home. Bottled water at work, tap water at home. Don't notice much difference.
by pennstater2005
Thu Mar 27, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2835

Re: Roth vs Traditional

Monkeyking

I found this thread useful before especially the post by grabiner regarding state taxation of IRA withdrawals which vary from state to state.

viewtopic.php?t=81741

And this thread as well

viewtopic.php?p=846733
by pennstater2005
Wed Mar 26, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional
Replies: 9
Views: 775

Re: Car buying experience. Do I have a case to sue the deal

^ jimb from atl But wouldn't the dealers mechanic have checked out the car prior to putting it up for sale. If dealers are trying to make a legitimate sale without any hassles after why would they hide any mechanical issues? What would your mechanic find that the dealers wouldn't, if the dealers me...
by pennstater2005
Mon Mar 24, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 4403

Re: Car buying experience. Do I have a case to sue the deal

^ jimb from atl But wouldn't the dealers mechanic have checked out the car prior to putting it up for sale. If dealers are trying to make a legitimate sale without any hassles after why would they hide any mechanical issues? What would your mechanic find that the dealers wouldn't, if the dealers mec...
by pennstater2005
Mon Mar 24, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 4403

Re: Asset Allocation Question

Not that you asked me but :D

This might give you an idea what folks on this board are thinking. It's quite diverse as one might expect.

viewtopic.php?f=10&t=101010

Age -10 is fairly popular. However, only you can decide what you are comfortable with.
by pennstater2005
Sun Mar 23, 2014 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question
Replies: 22
Views: 1275

Re: Anyone know of places to purchase canes

For those suggesting walgreens etc. assuming you just want a generic adjustable cane amazon is far far cheaper even considering next day shipping. They are $12 on amazon (call it $20 with next day shipping) and $30-$40 at walgreens etc. $30-$40? Really? http://www.walgreens.com/store/c/nova-full-cu...
by pennstater2005
Sun Mar 23, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1254

Re: New investore needs advise for AA

Thanks @pennstarter2005 & kerplunk. There are TR available for His 401k. Updated post with other available TR for His 401k. But, expense ratio is same for TR 2035 to 2055 (0.88%) and TR 2015 to2030 (0.79%) @kerplnk - Currently investing His 401k into TR 2040 (0.88%). His 401k available options ...
by pennstater2005
Sun Mar 23, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investore needs advise for AA
Replies: 8
Views: 523

Re: New investore needs advise for AA

I believe the Target date funds are within his/her Roth IRA's, not through the 401k. The OP has this listed under "His Company Roth-401k": 90% - Target Retirement Company Fund-2040 (41%-Domestic stocks, 24% Foreign stocks, 15%-Bond, 20% - some Global Funds) Just saw that. Thanks for the c...
by pennstater2005
Sun Mar 23, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: New investore needs advise for AA
Replies: 8
Views: 523

Re: New investore needs advise for AA

kerplunk wrote:What odd 401(k) investment options. They only offer "groups" of mutual funds for you to invest in?

Are those all of your options? You didn't include the "target retirement date" options.


I believe the Target date funds are within his/her Roth IRA's, not through the 401k.
by pennstater2005
Sat Mar 22, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investore needs advise for AA
Replies: 8
Views: 523
Next

Return to advanced search