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Re: How does car trade-in works?

In my experience, the price you receive from a trade in has very little haggling room. It can be done though.
by pennstater2005
Tue Jul 29, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 42
Views: 2271

Re: Vanguard being sued?

Already a thread here

viewtopic.php?f=2&t=143686
by pennstater2005
Mon Jul 28, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10494

Re: Do Bogleheads Feel Wealthier?

Wealthier than our pre-Boglehead selves? Or wealthier than neighbors, colleagues, family? All of the above, and much more. OK. Of the ten things I compared myself to, I feel wealthier than six and feel not as wealthy as four. I love polls about my feelings. I have so many. Like many boglehead polls...
by pennstater2005
Mon Jul 28, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4348

Re: Do Bogleheads Feel Wealthier?

My feeling wealthier has less to do with money and more to do with health, happiness, and family.
by pennstater2005
Mon Jul 28, 2014 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4348

Re: Selling House - Do We Need a Listing Broker?

The attorney fee does seem low, but I just copied it from the agreement I found. Not sure why so low. It was a smooth experience overall. I'm sure others may have different stories.
by pennstater2005
Sun Jul 27, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2608

Re: Selling House - Do We Need a Listing Broker?

Sun88, Closing fee to attorney - $255 Lenders title insurance to attorney - $343 Underwriters portion of total title ins. premium to attorney - $388 Title search to attorney - $500 There were also government recording charges($135) and some other fees. All told the total settlement charges were $2,7...
by pennstater2005
Sun Jul 27, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2608

Re: Selling House - Do We Need a Listing Broker?

Having a wife who is a realtor I will tell you you are making a huge mistake trying to do FSBO. If all your past agent did was post your house in the internet.... They were a worthless realtor. Let me add that posting to the MLS won't get you any traffic unless you are offering a buyers agent comis...
by pennstater2005
Sun Jul 27, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2608

Re: Vanguard sued for charging too little

Somehow I see this lawsuit not making it very far.
by pennstater2005
Sat Jul 26, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10494

Re: Personal win: I am now free of individual holdings!

I did the same thing and haven't regretted it for a second. Well, maybe when some of them shot up right after I sold but you know........ :D
by pennstater2005
Fri Jul 25, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1162

Re: Here's another "where should I retire" thread

Have you factored in the possibility of grandkids in the future? I know someday, per my wife, it will factor into where we move :D
by pennstater2005
Wed Jul 23, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6121

Re: Need Help and totally confused!!

I wanted to add, if you choose to deposit the money into savings accounts at various banks, be aware of the bank's financial advisers as well. Once they know you have large amounts of money with their bank you could be on their radar. Stay away from them.
by pennstater2005
Wed Jul 23, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 28
Views: 1787

Re: Need Help and totally confused!!

Very sorry for your loss. As previously mentioned, be very skeptical when it comes to financial advisers. You may find you don't need a financial adviser. Lots of people who come here discover they can do it on their own. Take your time to educate yourself first. As suggested before, depositing the ...
by pennstater2005
Wed Jul 23, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 28
Views: 1787

Re: The ultimate Boglehead exercise

Rodc wrote:
pennstater2005 wrote:My exercise is chasing my kids. It's bogleheadish because it's free.


Kids are a huge up front entry cost.

Like saying climbing is free (after you buy $1000 of equipment)

:)


My kids are inexpensive to take care of like livesoft's kids :happy
by pennstater2005
Wed Jul 23, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3770

Re: Plasma

davebarnes wrote:
ohiost90 wrote: I would go plasma.

I agree.
Own 3 and very sad to see the technology disappearing.

Here you go
http://www.amazon.com/Samsung-PN60F5300 ... B00BCPGYZM


Love my plasma. Nice warm tones, deep blacks. Fast refresh rate. Good for sports.
by pennstater2005
Wed Jul 23, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1701

Re: Best Coffee Maker? What do you have?

Somewhat recent thread where I was looking for coffee maker ideas. I had a Bunn And ended up replacing it with the same one.

viewtopic.php?f=11&t=137583
by pennstater2005
Wed Jul 23, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 65
Views: 4435

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

I love pointless and rampant speculation! DOW 20,000! Hey, I watch sports and always speculate my team will win, how pointless is that? They always lose.
by pennstater2005
Wed Jul 23, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3089

Re: New investor with an unexpected windfall

Good info from the wiki:

http://www.bogleheads.org/wiki/Managing_a_windfall

And kudos to your co worker for the book recommendation!
by pennstater2005
Tue Jul 22, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor with an unexpected windfall
Replies: 16
Views: 1743

Re: Android smartphone with physical keyboard

It appears you can install Android apps onto the Blackberry platform (Q10 included) with the latest update. http://www.cnet.com/how-to/the-easiest-way-to-install-android-apps-on-bb10/ And possibly being able to run Jelly Bean 4.2 on the Blackberry platform: https://www.youtube.com/watch?v=NaZDhCBs94...
by pennstater2005
Tue Jul 22, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1750

Re: Android smartphone with physical keyboard

^^^Agree. Although, I also took away from the article that physical keyboards in general are nearly a thing of the past. He references popular phones such as the iPhone and Samsung Galaxy, which operate on both Verizon, ATT, and T Mobile networks, as being a partial reason behind the demise of qwert...
by pennstater2005
Tue Jul 22, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1750

Re: Android smartphone with physical keyboard

madbrain,

Interesting article, if you haven't already read it, regarding qwerty(keyboard) phones.

http://www.theverge.com/2013/11/15/5104 ... to-bury-it
by pennstater2005
Tue Jul 22, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1750

Re: Android smartphone with physical keyboard

I use speech recognition almost exclusively on my Galaxy G5. 99%+ accuracy. Way better than my trials. I'll say something like " Dinner is in the oven and will be ready when you get home " and it will show " the donkey owns a wave runner which you can't have " O.K., I'm exaggera...
by pennstater2005
Tue Jul 22, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1750

Re: Which Bernstein Book?

kayanco wrote:The last one, Investor's Manifesto, is basically a simpler dumbed-down version of the previous.
(snip)

This "dumbed down" version worked great for me :happy
by pennstater2005
Tue Jul 22, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: Which Bernstein Book?
Replies: 27
Views: 1893

Re: Can it be wrong to be too risk averse?

How old is he? What does he have to say about inflation? I didn't ask. But would you, or someone, be able to share a bit about what the risks of inflation could be? Since the inflation rate is unknown, how does one factor that into their investment choices? thanks. Simply put, his purchasing power ...
by pennstater2005
Tue Jul 22, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2320

Re: Can it be wrong to be too risk averse?

How old is he? What does he have to say about inflation?
by pennstater2005
Mon Jul 21, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2320

Re: Poll - Do you use Quicken?

Has anyone here used AceMoney before?
by pennstater2005
Mon Jul 21, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3291

Re: Hw many credit cards to own?

I own four. 1. Sallie Mae Barclays card 2. Amazon rewards card 3. Discover It card 4. Bank of America card I only use the Sallie Mae and amazon cards now. Bank of America card was for a $100 sign up bonus with stipulations I could easily meet however sallie Mae card was better for gas and groceries,...
by pennstater2005
Mon Jul 21, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4137

Re: Poll - Do you use Quicken?

Nope. Unnecessary for myself.
by pennstater2005
Mon Jul 21, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3291

Re: What to do in a market correction

chaz wrote:Avoid timing.

Stay the course.


Agreed.
by pennstater2005
Mon Jul 21, 2014 7:40 am
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3075

Re: how often do you look at your account

Couple times a week to make sure there's no funny business :wink:
by pennstater2005
Sun Jul 20, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3588

Re: Memory foam mattresses - any insight?

I currently sleep on a regular inner spring mattress, but I am tempted to try this Tuft and Needle foam mattress recommended by Mr. Money Mustache: https://www.tuftandneedle.com/ Made in the USA. Very inexpensive. Comes in 5" or 10" thicknesses. This would be a great mattress to use with ...
by pennstater2005
Sat Jul 19, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 55
Views: 4104

Re: Options/guidance for a lazy person to be fit

Everything in moderation, including moderation.
by pennstater2005
Sat Jul 19, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5509

Re: The ultimate Boglehead exercise

My exercise is chasing my kids. It's bogleheadish because it's free.
by pennstater2005
Sat Jul 19, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3770

Re: [Poll] % of 3 funds in your financial asset portfolio?

I feel like I have to do math to answer this. I'm out.
by pennstater2005
Fri Jul 18, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1689

Re: If you own a car, do you have a car payment?

I do the same thing as Nisi, making payments into a dedicated savings account after car is paid off. Takes some discipline.
by pennstater2005
Fri Jul 18, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7282

Re: Help Please! Need to pick a fund TONIGHT

I do not know anything about Australian funds. Here is a link with the cheapest funds available. Some of these funds I could find through your link including #2 listed - Anz Smart Super Choice - $300 fee on a $50,000 balance. Article is nearly a year old. http://www.superguide.com.au/how-super-works...
by pennstater2005
Thu Jul 17, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Please! Need to pick a fund TONIGHT [Australia]
Replies: 7
Views: 567

Re: Leo Tolstoy, a Boglehead

Live your own life.....by your rules.
by pennstater2005
Thu Jul 17, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Leo Tolstoy, a Boglehead
Replies: 8
Views: 688

Re: POLL: Walmart vs Amazon

For those who hate Wal Mart and prefer Amazon due to Wal Marts somewhat shady business practices......Amazon may be no saint in that department either. In the article it stated (a snip) "Amazon's operations are invisible" (no physical stores). I found the article interesting. I do business...
by pennstater2005
Thu Jul 17, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8094

Re: Advice on setting up asset allocation

You obviously have spent some time educating yourself in multiple aspects of investing and I think your proposed set up is good. Now you just to have to implement it, sit back and relax. But not too relaxed :D

P.S. Do you have an IPS?

http://www.bogleheads.org/wiki/Investme ... _statement
by pennstater2005
Wed Jul 16, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on setting up asset allocation
Replies: 4
Views: 808

Re: POLL: Do you have a dedicated REIT allocation?

I voted for "never have and likely never will" because I haven't ruled it out completely. It is not part of my IPS presently.
by pennstater2005
Wed Jul 16, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6977

Re: Why I can't be a day trader.

Good post. I rebalanced within the last few weeks. I actually keep track of both my current portfolio and the pre-rebalancing portfolio. Since equities have gone up since I rebalanced out of equities, I can see how much money I would've made if I had not rebalanced. Let me look … oh, about another ...
by pennstater2005
Wed Jul 16, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2968

Re: POLL: Walmart vs Amazon

I hate chat, especially when you are just browsing a website and some intrusive pop up pops up and asks if you want to chat and you have to make it go away so you can see what you want to see. Talk about annoying! And about price matching. I preordered two copies of the Blu-ray disc of Frozen for m...
by pennstater2005
Wed Jul 16, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8094

Re: POLL: Walmart vs Amazon

Purchased a fan @ Amazon 3 days ago,price 37.99,checked price on line next day it had dropped to 32.99. Went to account ,to chat,they greeted me in 5 seconds,mentioned price difference,asked nicely for 5.00 credit, 6 seconds later agent asked me to check my email,credit issued,once again Service,Se...
by pennstater2005
Wed Jul 16, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8094

Re: Advice on setting up asset allocation

Although you didn't mention it, regarding your student loans, it's always a toss up and personal preference as to pay them down or not. How does the floating rate work? Emergency fund looks good as does your asset allocation. You would be age -15 in bonds which is fine. Some would say aggressive but...
by pennstater2005
Tue Jul 15, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on setting up asset allocation
Replies: 4
Views: 808

Re: POLL: Walmart vs Amazon

Love me some Wally World.......and Amazon too.
by pennstater2005
Tue Jul 15, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8094

Re: Small cap valuations "appear to be stretched"

Call_Me_Op wrote:I follow my IPS, regardless of news and prognostications.


So do I.
by pennstater2005
Tue Jul 15, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap valuations "appear to be stretched"
Replies: 11
Views: 1384

Re: [Poll] Are you more risk averse than average?

Toons wrote:Do not fear risk,the biggest risk is running out of money before you run out of time :happy


I like that.
by pennstater2005
Mon Jul 14, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2628

Re: [Poll] How often do you re-balance?

Sheepdog wrote:I don't re-balance at all as I have balanced funds only. They do it.


Same.
by pennstater2005
Mon Jul 14, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2212

Re: Will you change your AA based on market performance?

That's the idea. Are you committed or not? If not, you should rethink why you are an 80/20 kind of guy in the first place. P.S. I don't rebalance, so the question doesn't apply to me, but if, if I say, you believe in 80/20 then you should believe in 80/20. You are absolutely correct. But I wonder h...
by pennstater2005
Mon Jul 14, 2014 6:44 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4151

Re: Who else hates choosing a car?

I don't hate the process only because I don't do it that much. If I was going every few years or so it could be a different story. I plan on my next car at least having leather interior as my current one (Accord) has black cloth seats that are my own personal lint roller for work each morning. Serio...
by pennstater2005
Sun Jul 13, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6403
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