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Re: What online banks do you like for savings or MMA?

I know you said ally was already known but they're good. I do all banking with them now and use a local bank for cash deposits if needed. Dropped my credit union as they had low interest rates, had to pay for checks, and online setup was marginal at best.
by pennstater2005
Wed Oct 29, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 40
Views: 2058

Re: Men's Personal Hygiene Products

Anyone ever try Dollar Shave club? The commercial is pretty funny anyway.
by pennstater2005
Wed Oct 29, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2866

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord. Most of the deaths were caused by injuries to the face/neck area, so you might want to add a helmet as well. Of course, you could also refrain from trying to joke about a situation that has killed and/or injured hundreds so far. Unless you were ser...
by pennstater2005
Mon Oct 27, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6923

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord.
by pennstater2005
Mon Oct 27, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6923

Re: How often do you change your car's oil?

^
I don't use synthetic oil.
by pennstater2005
Sun Oct 26, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6137

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) Is there a reason you do it at the dealershi...
by pennstater2005
Sun Oct 26, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6137

Re: How often do you change your car's oil?

Honestly, I was surprised by the thread about washing cars and it seemed most hardly washed their cars at all. So I was wondering, how often do you change your car's oil? I'm not very good at keeping records but I'd say at least once per year and usually around 5K to 10K miles. If I find most never...
by pennstater2005
Sat Oct 25, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6137

Re: Time For Me to Kick Wellington Through The Goalpost of L

I like Wellington, based on past performance :happy What? Don't look at me like that :wink:
by pennstater2005
Fri Oct 24, 2014 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4766

Re: How often do you change your car's oil?

Every 5,000 miles. Give or take.
by pennstater2005
Thu Oct 23, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6137

Re: How do you wash your car?

Who knew there were so many ways to wash, or not wash, a car :D
by pennstater2005
Tue Oct 21, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6837

Re: Feeling very fortunate today!

StarbuxInvestor

Maybe I'm wrong......no, I'm probably wrong, but I think you're overthinking things. When it's the right time I think you will know it. But, until then I wouldn't post anymore dates. You're gonna get reamed, public forum and all. I wish you luck.
by pennstater2005
Tue Oct 21, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6182

Re: How do you wash your car?

...................To answer the question regarding never wash / wax the car: bird dropping, saps, etc erodes the clear coat. You'll have more chance of clear-coat peeling off if there's no wax on the it and those elements are never removed. If you don't care about the appearances, then I guess it ...
by pennstater2005
Mon Oct 20, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6837

Re: How do you wash your car?

Last time I washed the car it was raining and so I ran in the garage and grabbed the scrub brush. No soap needed. Looked worse after I was done.
by pennstater2005
Mon Oct 20, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6837

Re: Anyone cancelling travel plans?

I've canceled everything, including work, until this blows over.
by pennstater2005
Sun Oct 19, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6317

Re: "I've had it" at work - how often

Not often at my job. I'm fortunate to work with a good group of people. Can't say that about every place I've worked though. That's why I've been here 8 years now. Since I'm a physical therapist assistant, and not a physical therapist, I have much less responsibility. I just don't have the stress th...
by pennstater2005
Sun Oct 19, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12469

Re: The Final, Definitive Thread on Rebalancing

Thanks stultz. I've been waiting for this :twisted:
by pennstater2005
Sat Oct 18, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 1895

Re: Upgraded to OS X 10.10 Yosemite

Late 2008 MacBook aluminum body. Updated with no issues. I like it but what do I know.
by pennstater2005
Sat Oct 18, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 37
Views: 3925

Re: Is it possible to have a favorite movie

Found Das Boot on Netflix. Director's Cut is 3 hours and 28 minutes of reading subtitles. I couldn't talk my wife into that one.
by pennstater2005
Fri Oct 17, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3190

Re: Allow OP to lock thread?

I've gotten help from threads after the OP has received his/her answer.
by pennstater2005
Fri Oct 17, 2014 2:29 pm
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1461

Re: Siren song of increased stock allocation

Tune it all out........stick with your IPS. What does she say? Yes, I assumed your IPS was female :D Get a hobby, or assuming you already have one...do it more! My new thing is trapping moles in my yard at night with my little boy.....ahhh good times.....seriously though he loves it :P
by pennstater2005
Thu Oct 16, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2902

Re: Your personal risk level: Got your flu shot yet?

I do not get the flu shot. Neither do my husband or children. I have gotten the flu twice, once as a child, and once two winters ago - when I had a 4 1/2 week old baby. DH and I had the flu, none of our kids, including the newborn, got it. I was sick, really sick for three days. Some might wonder w...
by pennstater2005
Thu Oct 16, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3004

Re: Your personal risk level: Got your flu shot yet?

Work with patients, up close and personal. I get a flu shot, as do my wife and children - ages 1 and 2. I still get sick and do get the stomach bug occasionally, but not the flu.
by pennstater2005
Thu Oct 16, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3004

Re: What are you up YTD?

Where's Madsinger? He always keeps me updated :D
by pennstater2005
Wed Oct 15, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11825

Re: Clothes Dryer drying very slowly

If it stopped drying or only gets lightly warm you could check the high limit switch. Our dryer did that recently so I removed the back and a wire had melted away from the switch, which had melted as well. Dryer was so old I just bought new.
by pennstater2005
Wed Oct 15, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1950

Re: Relatively new here. What did you do in 2008/09

I was still with a financial adviser who I never really talked to. I just kept putting money each month into a mutual fund. I saw all the big drops on the Nightly News when I would catch it, but honestly really didn't understand how it impacted my money and didn't care. (because I didn't get it yet)...
by pennstater2005
Tue Oct 14, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7024

Re: New tires, where to buy

I bought my last set of tires from tirebuyer.com (a tirerack competitor). I guess I don't see that there is any extra effort there is in buying tires online. I placed my order, had them shipped to a garage two block from my office, I drop off the car and walk over and pick it up a couple of hours l...
by pennstater2005
Sun Oct 12, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2606

Re: Do you every turn your smart phone off?

Only when it's acting buggy.
by pennstater2005
Sun Oct 12, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1923

Re: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500

Thanks protagonist

That will come in handy when I switch carriers soon.
by pennstater2005
Sat Oct 11, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500 Mb
Replies: 12
Views: 1101

Re: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500

Good information. You mean you just put the SIM card in and the activation just started? Also, I plan on buying the refills through pinzoo.com which is what I do now for my net 10 service. There ate no taxes our fees. You can get h2o refill for $29 and some change. I pay with my amex card for furthe...
by pennstater2005
Fri Oct 10, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500 Mb
Replies: 12
Views: 1101

Re: New tires, where to buy

I typically use Discount tire direct however ended up finding the same tires cheaper, even with shipping charges, at tread depot.

http://www.treaddepot.com/

And I used my AMEX card and saved additional 2%.
by pennstater2005
Fri Oct 10, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2606

Re: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500

I got two SIM cards to try h2o wireless as well. I'll be activating them soon. I got my SIM cards on eBay for a total of $.04 with free shipping. EBay is always the place for SIM cards. Always dirt cheap.
by pennstater2005
Fri Oct 10, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: H2O vs Jolt vs Air Voice Wireless for $30/mo, unlim, 500 Mb
Replies: 12
Views: 1101

Re: Live Speakers You Enjoyed

Jerry Seinfeld.
by pennstater2005
Wed Oct 08, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Live Speakers You Enjoyed
Replies: 12
Views: 692

Re: How can I stop feeling depressed about my finances?

You're degrees are not worthless, but they are not going to make you very much money. Come to grips with that and live within those boundaries and you will do quite well. So true. My degree probably won't make me more than $45k but I'm happy, look forward to work, and only work 35-38 hours a week :D
by pennstater2005
Wed Oct 08, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14074

Re: Snow Blower

"My Precious" - kinda wish it would snow today (na, just kidding) Snow Blower With Heated Handles and Electric Start at Lowes's - currently $509 till 10/15/14 http://i.imgur.com/yoqFaEW.png One important thing to do is off season storage/prep That link takes to one that is on sale for $76...
by pennstater2005
Wed Oct 08, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2660

Re: Snow Blower

Believe it or not I use an electric snow thrower for an 80' long driveway and a 30' square at the bottom. I bought a 100' cold weather cord and once I figured out a pattern for the cord behind me I can fly. It tosses dry snow 20' and heavier, wet snow about 10-15 ft. The whole set up cost me $240. I...
by pennstater2005
Wed Oct 08, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2660

Re: 1,000th post

Just stick something about not a newb anymore in your signature. I wouldn't change your name. No one will know who you are!
by pennstater2005
Fri Oct 03, 2014 4:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 1,000th post
Replies: 10
Views: 819

Re: AliBaba

IPer wrote:pennstater2005 - and I hope it all works out to your approval!


I'm sure it will :happy
by pennstater2005
Mon Sep 29, 2014 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8494

Re: AliBaba

All of you guys talk and talk but ultimately whether you have an individual stock holding or whether those stocks end up in your balanced allocation of index funds you own the stock, now it is your choice to appreciate it or not, in the case of Alibaba I choose to hold a bit more of it and apprecia...
by pennstater2005
Mon Sep 29, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8494

Re: AliBaba

I don't, do you? Not when prefaced with the words "may not".
by pennstater2005
Mon Sep 29, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8494

Re: AliBaba

Jack Ma may not always be there.
by pennstater2005
Mon Sep 29, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8494

Re: Cricket wireless experience

I've never figured out why you would want Republic Wireless, since you're locked into their phones. I very much favor the GSM MVNOs, since switching services is just a SIM card away. And you can use that phone abroad as well. Same applies to CDMA carriers like Verizon and Sprint. Why lock into a pa...
by pennstater2005
Mon Sep 29, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 2040

Re: Another thank you to the Bogleheads

You're far ahead of most, even if just in terms of financial wisdom. Congratulations.
by pennstater2005
Mon Sep 29, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Another thank you to the Bogleheads
Replies: 6
Views: 761

Re: [which] toilet paper [from walmart.com?]

Can't you just experiment with different brands? Just buy the smallest pack available. That is going to be a purely subjective venture. I don't cheap out on toilet paper.
by pennstater2005
Fri Sep 26, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 36
Views: 2969

Re: Bill Gross moving from PIMCO to Janus, Monday

I would venture to say that most people who own PIMCO funds have no idea who Bill Gross is. So, they probably won't do anything with the fund.
by pennstater2005
Fri Sep 26, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10086

Re: Bill Gross moving from PIMCO to Janus, Monday

Does anyone believe the average investor will learn anything from this? Or even care?
by pennstater2005
Fri Sep 26, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10086

Re: Vanguard Quarterly Dividends in September

You all sound like you're teetering on the edge of subsistence. :D http://1.bp.blogspot.com/_fnsOmb0Fvog/TCTiTM7GycI/AAAAAAAACVw/EpZLH7TdWfI/s1600/soup_line.jpg Free soup available for panicked Vanguard clients who didn't get their dividend checks. Getting their free from soup from Al Capone noneth...
by pennstater2005
Thu Sep 25, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5163

Re: [S&P is down 1.3% !!!]

For sure, but one does not need to be a sitting duck at times like this in the market. What should one do to avoid being a sitting duck? I don't consider myself a sitting duck. And I'm not sure what "times like this" means. I just keep adding money to my investments monthly, regardless of...
by pennstater2005
Thu Sep 25, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4815

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

tadamsmar wrote:
pennstater2005 wrote:If you believe he has found a winning strategy why not more than 5%? Why not 50%?


Sometimes, "Put your money where your mouth is" is a bad policy.


I agree. However, I was asking a serious question.
by pennstater2005
Thu Sep 25, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1537

Re: Rewards credit card advice

$5,000
by pennstater2005
Wed Sep 24, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 59387

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

If you believe he has found a winning strategy why not more than 5%? Why not 50%?
by pennstater2005
Wed Sep 24, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1537
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