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Re: Questions about fertilizing and seeding lawn

I would consider asking this at a lawn forum. That's my plan anyway. I've thought about aerating but am going to take some pics of my grass and yard as a whole and see what these guys think. I registered here: http://aroundtheyard.com/forum.html P.S. Have you considered Milorganite fertilizer. I've ...
by pennstater2005
Tue Aug 19, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1414

Re: Hw many credit cards to own?

Read this: https://www.salliemae.com/credit-cards/sallie-mae-card/ It reports how cash back is earned and below in the fine print gives further detail. Nowhere is Amazon mentioned. I get 1% on Amazon purchases, not 5%. Although that would be nice. It's not mentioned, but presumably Amazon purchases...
by pennstater2005
Mon Aug 18, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6670

Re: Motorcycle for short commute?

toto238 wrote:Well I am married, so the safety aspect is important to me. Perhaps a small scooter may be a better move safety-wise than a powerful motorcycle.


Once we found out my wife was pregnant, that bike was gone. Used the money to up the amount of money on down payment for house. No regrets.
by pennstater2005
Mon Aug 18, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 50
Views: 2815

Re: Hw many credit cards to own?

I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's been pretty solid. Doesn't your Sallie Mae card return 5% for Amazon purchases, too? Old posts here and here : I get 5% back on gas, groceries, and books (including all amazon.com purchases) through the sallie ma...
by pennstater2005
Mon Aug 18, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6670

Re: Hw many credit cards to own?

I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's been pretty solid. Doesn't your Sallie Mae card return 5% for Amazon purchases, too? Old posts here and here : I get 5% back on gas, groceries, and books (including all amazon.com purchases) through the sallie ma...
by pennstater2005
Mon Aug 18, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6670

Re: Hw many credit cards to own?

Earlier in the thread I said four. I acquired the Fidelity American Express card for the 2% cash back and it's fantastic. I've only run into a few places that don't accept it because of their higher merchant fees. I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's...
by pennstater2005
Mon Aug 18, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6670

Re: POLL: Breaking up with advisor

We both cried. Just kidding :) I asked about index funds and he told me they were overrated. I'm not an idiot, or at least I like to think I'm not, and I knew something was up. Bye bye!
by pennstater2005
Mon Aug 18, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 39
Views: 2069

Re: Most Hated Brokerage Firm? [or one that you love]

No hate or love. Vanguard's services are fine for me.
by pennstater2005
Sun Aug 17, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7142

Re: Options on Watching NFL Games

check out stream2u.tv on the web :happy What's the catch? I watched a pre-season game, it is also on Fox. Looks like it is streaming about 1 minute behind TV. Are all games on this site? Allan Sometimes the links don't work. There are all those little tiny x's you have to click to get rid of all th...
by pennstater2005
Sun Aug 17, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 1569

Re: Options on Watching NFL Games

Toons wrote:check out stream2u.tv on the web :happy


Or http://www.wiziwig.tv and click on live sports.
by pennstater2005
Sun Aug 17, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 1569

Re: Who sells fresh coffee that is not as strong as Starbuck

Coffee that has been sitting more than about fifteen or twenty minutes quickly acquires some kind of awful taste--office coffee urns around 3 p.m. were a place to savor that taste at its awful worst. That taste is often misidentified as "strong," but it isn't, it's just bad. This is very ...
by pennstater2005
Fri Aug 15, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2226

Re: Any Opinions on Mirrorless Cameras?

SpringMan wrote:Thanks all,
Just submitted my order for the Fuji X-A1 with the two lenses mentioned above. Hope it is not a mistake.
Wife said go for it :happy .


Great reviews on the camera and you'll have 30 days from purchase to return it if you do t like it.
by pennstater2005
Wed Aug 13, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2021

Re: Robin Williams

I always enjoyed Good Will Hunting. He was close friends with Christopher Reeves and I always enjoyed the story of when Robin Williams came to see him after the accident and pretended he was a Russian doctor who was there to perform a rectal exam. http://www.buzzfeed.com/lyapalater/the-lifelong-frie...
by pennstater2005
Tue Aug 12, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4612

Re: How to ensure military members don't get ripped off

Sadly, none of that is surprising. Even Vanguard said a switch could be in his best interest, although they didn't seem too aggressive, and recommended he stay put if he was a low risk investor. Edit to add: No specific suggestions as to how to affect change in this area. That's a tough one. I tell ...
by pennstater2005
Tue Aug 12, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4139

Re: Motorcycle for short commute?

sitting at a stop light in 100 degree weather, on burning tarmac, sweating in a helmet, with a hot engine beneath you, is literally hell on wheels. I couldn't take it in Western PA heat of maybe 80-85 degrees with humidity. I wore dress pants with a jacket and helmet. I use to roast. Although, in t...
by pennstater2005
Tue Aug 12, 2014 8:01 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 50
Views: 2815

Re: Where do you buy clothes?

I buy on Ebay, American Eagle website if they're having a sale with free shipping (I can return here locally at our mall), 30% off friends and family discount at Nike outlets just recently. Mostly I buy American Eagle because if it's a large, it fits me. I can avoid trying things on that way. Now, f...
by pennstater2005
Sun Aug 10, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8729

Re: How do you address your inlaws and being addressed?

sscritic wrote:In my Chinese soap operas
I gotta check this out someday :D
by pennstater2005
Fri Aug 08, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4710

Re: How do you address your inlaws and being addressed?

I'm 50 and it's same for me. I always call my inlaws by their first names....or grandma and grandpa if my kids are present. My wife does the same with my parents. What I don't do is call my inlaws "mom" and "dad" and neither does my wife. Same here. They're not my mom and dad an...
by pennstater2005
Fri Aug 08, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4710

Re: Telephone Calls! Help!

We had the same issue and finally just unplugged it. It came as a bundle with our internet through Verizon (they required a landline, at the time anyway). We both have cellphones.
by pennstater2005
Thu Aug 07, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5716

Re: Proposal: Penalizing Posters who abuse the "Report" Butt

Doesn't using the report button actually free up time for the moderators so they don't have to search each thread for violations?
by pennstater2005
Wed Aug 06, 2014 4:32 pm
 
Forum: Forum Issues and Administration
Topic: Proposal: Penalizing Posters who abuse the "Report" Button
Replies: 3
Views: 404

Re: Recently Engaged

You've been a member here for 4 and 1/2 years. I don't think you need a financial planner unless you have a complicated financial picture with extenuating circumstances. Enjoy your engagement and being newlyweds. The financial stuff is the easy part :happy
by pennstater2005
Wed Aug 06, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Recently Engaged
Replies: 10
Views: 913

Re: Who or what inspired you and your investing approach?

The Bogleheads :D And a thirst for more knowledge in this area.
by pennstater2005
Wed Aug 06, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4273

Re: When is a 3.75% load worth it?

Bill Gross hasn't always been perfect.......as I'm sure you already know. I think they call that manager risk.

http://www.bloomberg.com/news/2014-01-0 ... funds.html
by pennstater2005
Wed Aug 06, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5188

Re: Your opinion of mint.com

Mint wasn't able to link my local credit union, which I should've expected, so for me it was useless.
by pennstater2005
Wed Aug 06, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 2899

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

I'm guilty of using the same 2 or 3 passwords at probably fifteen different sites. Although they are considered strong passwords. You know......1234 :P
by pennstater2005
Tue Aug 05, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7341

Re: Alliant Credit Union 48 mo CD/2.1%

That's a pretty good rate and term. Thanks for the info.

john94549 wrote:While not enough to make one do cartwheels, it's better than a poke in the eye.


That would make a good signature :D
by pennstater2005
Tue Aug 05, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alliant Credit Union 48 mo CD/2.1%
Replies: 2
Views: 355

Re: Are you feeling squirrely about your stocks?

Squirrels are always plotting. I see how they're taking notes and discussing amongst themselves. I think they want my stocks. Ha! Good luck.
by pennstater2005
Mon Aug 04, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Are you feeling squirrely about your stocks?
Replies: 9
Views: 948

Re: High School Reunions--Have you attended?

I liked high school just fine. Had friends. I just don't care to see any of them. No real reason why. Doesn't interest me. Should it?
by pennstater2005
Sun Aug 03, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: Rather be Home, Rather be at Work

I like a little of both. By the time the weekend is winding down I'm ready for work....most of the time. I only work 35 hours or so a week anyway in a very low stress job.
by pennstater2005
Sun Aug 03, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3844

Re: Roth vs traditional Ira

I do both. Roth for me, traditional for wife. A little tax diversification.
by pennstater2005
Sun Aug 03, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs traditional Ira
Replies: 18
Views: 1273

Re: Boat loans

Something that I learned in the 4 years that I owned a boat..... If I went to the marina where I bought my boat and rented a brand new boat everytime I wanted to go out......it would have cost me significantly less than buying, insuring, maintaining, pulling, fixing, taking depreciation on a boat. ...
by pennstater2005
Sat Aug 02, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1582

Re: Riding Mower Help Needed

Here is a nice, general comparison of some specs:

http://lawn-tractors.findthebest.com/co ... Deere-X300
by pennstater2005
Fri Aug 01, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2267

Re: Riding Mower Help Needed

Would it be advisable to consider a "zero turn" mower? What about the deck? 48" or 54"? Is the HP a direct indicator of how long it will take me to mow (i.e. more horsepower will move it that much faster)? You said you had 20-30 trees in the back of the property, yes? If there i...
by pennstater2005
Fri Aug 01, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2267

Re: Riding Mower Help Needed

Deere X series. Given the size of your lot I'd be looking at the X500's. Robust transmission and nice Kawasaki engines. Don't mess with anything sold at big box stores. That stuff doesn't last. There are other ok brands too, like Kubota, but I happen to like Deere better. Most John Deere dealers se...
by pennstater2005
Fri Aug 01, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2267

Re: Riding Mower Help Needed

How much money are you considering spending? Simplicity makes some very highly rated lawn and garden tractors as does John Deere. I personally have a Husqvarna with a Kawasaki engine that has been flawless now for 2 years. I bought the model with the Kawasaki engine because the reviews for the entry...
by pennstater2005
Fri Aug 01, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2267

Re: Tracking Credit Score

I've used credit karma and Quizzle. Discover and Sallie Mae cards free scores seem more accurate.
by pennstater2005
Fri Aug 01, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 1201

Re: How Much Did You Lose Today?

Maybe a pound? Haven't weighed myself in awhile. I hate to look.
by pennstater2005
Fri Aug 01, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14098

Re: RBD here yet? (DOW -300points drop)

I'll bite, what exactly does "RDB" stand for? I searched all over and didn't find an explanation that fit the context. In context I'm guessing Real Buying Day but that doesn't have the rhythm I'd expect in a good acronym. :) Whatever it means it sounds like I was right to not move money i...
by pennstater2005
Thu Jul 31, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5079

Re: How many families use 529 plans?

I started 529's for the kids in PA with the guaranteed savings plan. A poster above mentioned some of the solvency issues awhile back. That gave me some pause as well. I don't fund the 529s anymore only because we are not maxing tax advantaged space yet, and with our incomes we may never. My wife an...
by pennstater2005
Thu Jul 31, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6459

Re: How old are you?

35 closing in on 36.
by pennstater2005
Wed Jul 30, 2014 7:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6470

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: 71
Views: 4372

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: 173
Views: 19131

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: 4640

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: 4640

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: 2764

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: 2764

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: 2764

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: 173
Views: 19131

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: 1174

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: 6386
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