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Re: Why Buying a *New* Car Makes Sense? Please help!

Since when is 26/34 mpg terrible fuel efficiency?
by pennstater2005
Mon Mar 30, 2015 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 16
Views: 594

Re: How many of you invest in individual stocks?

I held stock positions in Coke, Berkshire (B shares), Alcoa, GE, Universal Insurance, Fannie Mae, Ford, Bank of America, Pepco and others. I held onto them awhile even after I found Bogleheads. I wasn't a buy and hold kind of guy with individual stocks for whatever reason. I got too antsy too quick ...
by pennstater2005
Sun Mar 29, 2015 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 52
Views: 2694

Re: Increasing REIT holding in a ROTH

Real Estate is about 4.1% in FSTVX so if you are basing it off of that holding a 6% tilt may be appropriate to achieve your roundabout 10% number.

http://portfolios.morningstar.com/fund/ ... ture=en-US (Scroll down to see sector weighting percentages)
by pennstater2005
Sun Mar 29, 2015 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Increasing REIT holding in a ROTH
Replies: 10
Views: 900

Re: Increasing REIT holding in a ROTH

VTSMX and VIPTX both hold around 3.8% REITS relative to about 2.13% for the S&P 500. http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx - VTSMX http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx - VIPTX I don't think it's about being out of whack, it's about do ...
by pennstater2005
Sun Mar 29, 2015 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Increasing REIT holding in a ROTH
Replies: 10
Views: 900

Re: If you had 1 book to recommend...

I've now read about ten books over the past couple of months. The best is Bernstein's Intelligent Asset Allocator. Number 2 is Malkiel's Random Walk. Next is Chancellor's Devil Take the Hindmost. This third one really helps to understand why "this time its not actually different"! I need ...
by pennstater2005
Sat Mar 28, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 42
Views: 3375

Re: Poll: Would you be disappointed if Vanguard advertised m

You need a poll option for "indifferent". Where's the indifferent emoticon?……ah here it is :|
by pennstater2005
Wed Mar 25, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Would you be disappointed if VG advertised more?
Replies: 19
Views: 1320

Re: Buying a house that had a Dog

I'll second that previous owners are worse than any dog, cat, or pet. The guy that owned my home was the worst kind of DIYer. Horrible re-wiring efforts, 2 pronged outlets replaced with 3 pronged outlets but not grounded……I could go on and on. Our home inspector was the worst :x
by pennstater2005
Sun Mar 22, 2015 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2559

Re: One Level or Two Level House

My wife and I both wanted a brick, single story ranch with two car attached garage. It didn't work out that way. We were limited in our area search size and financially. We ended up with a 1.5 story Cape Cod. The bedrooms upstairs are actually decent sized and there is a full bath as well. It's not ...
by pennstater2005
Sun Mar 22, 2015 8:06 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5631

Re: Restaurant tipping

I ate in a restaurant a few years back with my wife. Literally no one else in the section we were in. After our dinners were brought out we never saw the waitress again. Although I could hear her laughing in the back with co-workers. I had to go up to the bar to get drink refills and ketchup. No tip...
by pennstater2005
Sat Mar 21, 2015 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11665

Re: Buying a house that had a Dog

Fleas are the most obvious problem. A second is if it's an older house that has carpet over wood floors. If the dog has urinated on the carpet it can seep down and stain hardwood floors. We had this issue. Carpeted floors with dogs that urinated on them, which then stained the hardwood floors black...
by pennstater2005
Sat Mar 21, 2015 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2559

Re: [New Member Observations- Covered Calls, Financial Advis

I retitled the thread. OP - if you disagree, just edit the Subject: line in Post #1. For the purposes of this discussion, "financial advisor" refers to an Investment adviser . OP? He left the building some time ago when he realized he couldn't sell something. Paul OP left Wednesday March ...
by pennstater2005
Fri Mar 20, 2015 6:56 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 221
Views: 15695

Re: Do you still use currency or have you gone all-plastic?

Credit cards anywhere they're accepted. Usually have a $20 with me but never remember how it got there. Kids birthday money I was supposed to deposit?
by pennstater2005
Sun Mar 15, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3211

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

The petition is closed. Maybe it garnered some positive attention.
by pennstater2005
Sat Mar 14, 2015 9:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11621

Re: Post removed or moved?

I don't know what a naked link is? It was a link to the Road & Track site where the interview was published. From "Policies and Etiquette" We also require that you be considerate of our readers and: use meaningful titles on new topics refrain from posting naked links - all links shoul...
by pennstater2005
Sat Mar 14, 2015 8:18 am
 
Forum: Forum Issues and Administration
Topic: Post removed or moved?
Replies: 12
Views: 1234

Re: Dip? What Dip? Did you catch it?

I was working.
by pennstater2005
Thu Mar 12, 2015 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 129
Views: 10991

Re: Will you buy an Apple Watch?

I have two watches lying inside my desk drawer so I suppose I could get this watch to put next to them. My watches have to have a 52mm diameter minimum. Does Apple have that? What's the saying? "Go big or go……..I'll think of it.
by pennstater2005
Wed Mar 11, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17812

Re: VT

That article is nearly four years old.
by pennstater2005
Tue Mar 10, 2015 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: VT
Replies: 2
Views: 289

Re: If you could send an investment message 10 years in the

Dear idiot,

Please stay in college and get a good degree so you can increase your income and actually be able to save and invest for a secure and comfortable retirement. Hey! Put that beer down……it's hopeless.

Pennstater1995
by pennstater2005
Mon Mar 09, 2015 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4274

Re: Bernstein: 2% investment returns over next 20 years

What if I add "Mel's unloved mid caps"? That's gotta get me more than 2%. Otherwise, I'm not semi retiring at 55.
by pennstater2005
Mon Mar 09, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22906

Re: Buying New Used Car - Input Appreciated

Go with the Civic. My mom had a 98' that she just recently traded in. It never had any issues with either engine or transmission.
by pennstater2005
Mon Mar 09, 2015 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Buying New Used Car - Input Appreciated
Replies: 27
Views: 2064

Re: Will you buy an Apple Watch?

Yes, if it wasn't a watch. But, no since it is.
by pennstater2005
Mon Mar 09, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17812

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

2500 signatures. Need way more! Thought this deserved a bump.
by pennstater2005
Sun Mar 08, 2015 1:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11621

Re: How Many Credit Cards Do You Actually Use?

^
I keep them because I don't know what to do with them. I don't want to cancel them. So they just live in my over stuffed wallet. I think sitting on it is affecting my spine.
by pennstater2005
Sat Mar 07, 2015 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 4471

Re: How Many Credit Cards Do You Actually Use?

Three that I use regularly. Many more that have split my wallet open :annoyed. I need to clean house.
by pennstater2005
Sat Mar 07, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 4471

Re: Boglehead degree status

Where's the Associate's :P
by pennstater2005
Fri Mar 06, 2015 6:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4874

Re: Reasons not to use Total Bond Market?

Isn't "high yield corporate bonds" a fancy way of saying junk bonds? No, "junk bonds" is a pejorative way of describing high yield bonds. Look at the official name of Vanguard's high yield fund.... "Vanguard High-Yield Corporate Fund." Notice that Vanguard did not call...
by pennstater2005
Thu Mar 05, 2015 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7099

Re: Buying a home without a realtor

I did it with a lawyer and the bank. Lawyer took care of the title and such. Bank set up appraisal and obviously the mortgage. Took about a month. No hiccups.

Bank and lawyer had worked together before so that helped with the overall smoothness of the whole deal.
by pennstater2005
Thu Mar 05, 2015 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home without a realtor
Replies: 23
Views: 1670

Re: Reasons not to use Total Bond Market?

Isn't "high yield corporate bonds" a fancy way of saying junk bonds?
by pennstater2005
Thu Mar 05, 2015 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7099

Re: What is your credit score?

Serious delinquency on some student loans years ago is still haunting me.

A lowly 751 :D
by pennstater2005
Thu Mar 05, 2015 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 4533

Re: Well made woman's shoe?

I'll be interested in the replies. My wife will spend $70 on a pair of shoes that only last her a year. Granted, she's on her feet a lot but so am I. I've had the same pair of black Florsheim dress shoes for almost 12 years, only re soled once.
by pennstater2005
Wed Mar 04, 2015 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Well made woman's shoe?
Replies: 27
Views: 2058

Re: Riding Mower Help Needed

The thing that pushed me towards the Kawasaki motor was that I have had multiple Kawasaki "small motors" on different pieces of equipment. For the most part they have all run flawlessly and still start with relative ease. I can't speak to Kohler because I've never owned one but I don't see...
by pennstater2005
Tue Mar 03, 2015 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 57
Views: 3689

Re: Riding Mower Help Needed

^ So which one are you leaning towards? It's amazing how many different models there are of engines….. http://www.kohlerengines.com/onlinecatalog/serieslanding.htm?series=7000%20Series Upper left portion of page shows "browse by series"…..that's quite a few to browse through :o Good luck.
by pennstater2005
Tue Mar 03, 2015 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 57
Views: 3689

Re: new car battery

That morning when your car won't start you'll think to yourself, "why didn't I just replace the battery when I said I was going to?" I've been down that road and it's frustrating as hell. Just have it replaced. Battery installation is free at Advance Auto Parts and Auto Zone so you shouldn...
by pennstater2005
Mon Mar 02, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 2767

Re: Taylor Larimore Honored

Congratulations Taylor! Obviously much deserved :beer
by pennstater2005
Mon Mar 02, 2015 8:33 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5061

Re: Riding Mower Help Needed

Which Kohler engine? I believe the Command is one of their better engines. The Courage is in most of the entry level models. It just says "23HP/725cc Kohler V-Twin OHV Engine" I believe that is the Kohler Command Pro. This is a great forum (link below) to peruse using the search function....
by pennstater2005
Mon Mar 02, 2015 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 57
Views: 3689

Re: Riding Mower Help Needed

Which Kohler engine? I believe the Command is one of their better engines. The Courage is in most of the entry level models.
by pennstater2005
Mon Mar 02, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 57
Views: 3689

Re: What's your average ER?

LS Growth = .17%
by pennstater2005
Sun Mar 01, 2015 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7146

Re: Not "Staying the Course"

Suppose one's total stock market index fund dropped by 5% on Monday. I think most folks here would not stay the course and would not rebalance by buying more that day. There would be lots of new posts to the forum in some of the old threads though. But I daresay only a handful of people would stay ...
by pennstater2005
Fri Feb 27, 2015 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4886

Re: Are remote starters bad for cars?

I've had an after market one installed in my 2007 Honda Accord for five years with no issues. I use it in the winter and summer.
by pennstater2005
Fri Feb 27, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2657

Re: International increase in Target Retirement & LifeStrate

pennstater2005 wrote:Is anyone planning on leaving these funds due to this?


To answer my own question, I will be doing nothing for now.
by pennstater2005
Thu Feb 26, 2015 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17446

Re: International increase in Target Retirement & LifeStrate

Is anyone planning on leaving these funds due to this?
by pennstater2005
Thu Feb 26, 2015 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17446

Re: cold air from electric socket

The foam outlet insulation pads worked at my house. And so did re-sealing around windows (including trim work) with caulk.
by pennstater2005
Wed Feb 25, 2015 11:37 pm
 
Forum: Personal Consumer Issues
Topic: cold air from electric socket
Replies: 17
Views: 1720

Re: How much did you have saved up for retirement at age 30?

Not much. Still not much at 36 (wife 28). But, we're paying down debt and investing what we can consistently. Slowly building up the emergency fund and paying off those high interest student loans are high priority.
by pennstater2005
Wed Feb 25, 2015 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 13219

Re: Convincing older relative to open online savings account

"I can't get into my bank account." "What's the problem?" "It won't let me." "It won't accept your password?" "No, it's not there. The power went out last night and when it came on again it was gone." "Are you in Internet Explorer?" "...
by pennstater2005
Wed Feb 25, 2015 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convincing older relative to open online savings account
Replies: 34
Views: 1584

Re: How do you plan on spending your time during retirement?

Doing what I want to do when I want to do it. More naps come to mind. Naps are soooo underrated.
by pennstater2005
Wed Feb 25, 2015 10:18 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3205

Case/Sleeve for 2013 Macbook Air 11.6"

I've been searching for both and have seen some decent ones. Does anybody have any experience, good or bad, with any brand of case or sleeve. I've used a Speck case before and it was ok. The Bodyguardz line looks pretty good.

Any thoughts?
by pennstater2005
Tue Feb 24, 2015 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Case/Sleeve for 2013 Macbook Air 11.6"
Replies: 1
Views: 132
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