Search found 2175 matches

by pennstater2005
Sun Apr 23, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208217

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. How long did it take them to payout the bonus? They are telling me you have to wait until the 90 days is up then one more statement cycle before the bonus will hit... Just in case anyone is wondering, my bonus on the Wells Cash Wise Visa payed...
by pennstater2005
Sat Apr 22, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 39
Views: 3981

Re: Ally Bank - Savings Account Rate Increased!

TxInjun wrote:Check your local credit unions. My bank, Star One Credit Union offers 1.1% in the standard savings account.


I left my credit union because it was only paying .25% and still is currently. Other local credit unions are similar. Not even close to Ally.
by pennstater2005
Thu Apr 20, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 300
Views: 26792

Re: Larry Swedroe says "Goodby."

Good luck Larry and enjoy your family :beer
by pennstater2005
Tue Apr 18, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8889

Re: Ordering a Weber grill this week

I just ordered the Weber Smokey Mountain charcoal smoker 14.5". Never smoked anything before. Almost went for an electric one but the charcoal one kept calling me back. The decision to go with Weber was an easy one. Those smokers are pretty much 5 star ratings anywhere you look. Have one, love...
by pennstater2005
Sat Apr 15, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Knee Problem - Emergency or NOT?
Replies: 5
Views: 912

Re: Knee Problem - Emergency or NOT?

Medical advice is off topic and not allowed. From the forum policies: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's User's Guide to Finding and Evaluating Hea...
by pennstater2005
Fri Apr 14, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8889

Re: Ordering a Weber grill this week

I just ordered the Weber Smokey Mountain charcoal smoker 14.5". Never smoked anything before. Almost went for an electric one but the charcoal one kept calling me back. The decision to go with Weber was an easy one. Those smokers are pretty much 5 star ratings anywhere you look.
by pennstater2005
Thu Apr 13, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1011

Re: Ebay Valet - Thoughts?

With a smartphone posting on Ebay is ridiculously easy. If it's nothing with a high value a couple pics, quick description, shipping price and list. You have to ship to the Ebay Valet which is more work than actually listing it anyway. Those are crazy high percentages!
by pennstater2005
Tue Apr 11, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: removing old personal info from credit reports
Replies: 8
Views: 1013

Re: removing old personal info from credit reports

I don't think it's a bad idea. Mine are all still listed. Why would you want them removed? You are correct in old addresses and employers shouldn't matter as you can provide that information on an as needed basis.
by pennstater2005
Tue Apr 11, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 37
Views: 2371

Re: Breaking up with my Financial Investor

These guys are very skilled and if you make contact he might win you back. Just transfer out and be done. I was friendly with my FA but when it was time to move on I did so without contact. Truly, no love lost.
by pennstater2005
Fri Apr 07, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: way to carry a cell phone
Replies: 6
Views: 695

Re: way to carry a cell phone

Why not the Apple Watch then? That's some Dick Tracy stuff!
by pennstater2005
Wed Apr 05, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Investing
Replies: 6
Views: 450

Re: Help with Investing

Your combined income was $277k (AGI). That makes you ineligible for Roth contributions unless I'm missing something regarding your income. http://www.rothira.com/2017-roth-ira-limits-announced You can contribute to a Traditional IRA however (non deductible) and then convert via backdoor Roth IRA. ht...
by pennstater2005
Wed Apr 05, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23282

Re: Low-earners- What is your profession?

Physical therapist assistant as is wife. Mine: $42500 (raise recently, yippee!) Wife: Varies as she is on an as needed basis now ~12K Don't feel like a low earner :happy That's very close to the median household income in the U.S., about average rather than low earnings. Agreed. I feel blessed that...
by pennstater2005
Tue Apr 04, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best Online Banking for Youngster
Replies: 19
Views: 1242

Re: Best Online Banking for Youngster

I use Ally Bank with no issues. Discover Bank (online also) is a backup. It also has good saving interest rates and no hidden fees.
by pennstater2005
Tue Apr 04, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23282

Re: Low-earners- What is your profession?

Physical therapist assistant as is wife.

Mine: $42500 (raise recently, yippee!)
Wife: Varies as she is on an as needed basis now ~12K

Don't feel like a low earner :happy
by pennstater2005
Tue Apr 04, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13171

Re: Social Security for Millennials

So I'm either Gen Y, X, Millennial, or a cusper. I'm so confused. I do factor SS into my retirement. Ofcourse you are confused. That is normal for a cusper. :P http://www.generations.com/2015/10/12/on-the-cusp-understanding-those-caught-between-two-generations/ People of your age are stuck between ...
by pennstater2005
Tue Apr 04, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13171

Re: Social Security for Millennials

So I'm either Gen Y, X, Millennial, or a cusper. I'm so confused. I do factor SS into my retirement.
by pennstater2005
Tue Apr 04, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13171

Re: Social Security for Millennials

Am I a millennial? I'm 38.
by pennstater2005
Tue Apr 04, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2017)
Replies: 4
Views: 588

Re: madsinger monthly report (March 2017)

As always, a big thank you! This is about the only time I see how LSG is performing :P
by pennstater2005
Tue Apr 04, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Help with Investing
Replies: 6
Views: 450

Re: Help with Investing

I know it's pretty late in my life to come up with a game plan on retirement but I need help with what I should do. I have never had a financial advisor but do have a Roth IRA with Oppenheimer Funds. It is a global fund and I contribute monthly and let it work for me. I also have a 401K that I rece...
by pennstater2005
Sat Apr 01, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4073

Re: Help me respond to an angry insurance agent!

I always try to be up front with my clients and hope that they'll do the same in return. -snip- (quote is an email BogleMelon received) You're not his client. You never signed anything, right? I agree with the others. Ignore it. You're not the first person that went with another company after getti...
by pennstater2005
Fri Mar 31, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1329

Re: At what age were your kids potty trained?

Bogleheads, My wife and I are curious: at what age would you say your children were completely potty trained? As in, they could get up to go at night, (maybe have an accident here and there), and you no longer had any need for diapers? If you believe your child was trained "early", what t...
by pennstater2005
Wed Mar 29, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 7966

Re: When do you plan to die?

2088. Per my IPS.
by pennstater2005
Mon Mar 27, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 4356

Re: Toyota vs. Honda

I think they're about equal. We've owned both. Exploding air bag recall on mine and sticking gas pedal on the wife's. Both very serious. Recalls seem fairly common all around.
by pennstater2005
Sun Mar 26, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21082

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

We were torn between Five Guys and Diary Queen yesterday. Ultimately, we went with DQ because for $6 we each got a 1/3lb burger loaded up, fries, drink, and a sundae. Five Guys burger alone was $7.19. I just couldn't do it. I've had them before and they're good but not that good.
by pennstater2005
Sun Mar 26, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investment beginnings
Replies: 4
Views: 351

Re: Investment beginnings

That is a pretty complicated looking collection of funds there. I think you'll find on this board that most are attempting to somewhat adhere to the Bogleheads investment philosophy. If you haven't read it yet, I suggest you do. https://www.bogleheads.org/wiki/Bogleheads®_investment_philosophy I'm s...
by pennstater2005
Sun Mar 26, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help with retirement plan.
Replies: 2
Views: 463

Re: Help with retirement plan.

Good article, although a few years old, regarding multiple options for setting up retirement contributions from an LLC. Sorry, no personal experience though.

http://smallbusiness.chron.com/make-ret ... 78796.html
by pennstater2005
Sun Mar 26, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment beginnings
Replies: 4
Views: 351

Re: Investment beginnings

In the taxable account: If I go with Vanguard I'll most likely start with VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares - Exp Ratio (Net) 0.05% Good choice. I'm making the assumption you don't have a 401k as you are maxing the Roth then moving to a taxable account. Why not keep the ...
by pennstater2005
Sun Mar 26, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally vs Discover
Replies: 17
Views: 1852

Re: Ally vs Discover

I have both. Started with Ally then got Discover as a backup. Tried withdrawing cash from Ally once and it wasn't working for some reason. I only keep a couple hundred dollars in Discover just in case. I used it once to write a check because I was out of Ally checks. Worked fine. Really no complaint...
by pennstater2005
Sun Mar 26, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1280

Re: Free/Cheap Sports Channels

ESPN struck a nerve with me years back when they bought up nearly all the college football Bowl games. They always used to be on TV on New Years Day and since I was a kid I enjoyed watching. Same here. I didn't watch many this year. I think each network might still get one game. Not exactly sure ho...
by pennstater2005
Sun Mar 26, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2859

Re: Honda Transmission Service

This thread prompted me to go to the Honda dealership and get 3 quarts of ATF. Cost $26. I'll change it tomorrow. Simple drain and fill. Literally one drain bolt to remove. The filter is not listed as a maintenance item as Honda notes it is "lifetime". I have replaced mine once. I probabl...
by pennstater2005
Sat Mar 25, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2859

Re: Honda Transmission Service

This thread prompted me to go to the Honda dealership and get 3 quarts of ATF. Cost $26. I'll change it tomorrow. Simple drain and fill. Literally one drain bolt to remove. The filter is not listed as a maintenance item as Honda notes it is "lifetime". I have replaced mine once. I probably...
by pennstater2005
Thu Mar 23, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Reminder: Bogleheads Investing Startup Kit
Replies: 2
Views: 435

Re: Reminder: Bogleheads Investing Startup Kit

I've been paying more attention to the unanswered posts as well lately. Thanks for the link!
by pennstater2005
Wed Mar 22, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Your Experiences with Risk Tolerance and having smaller versus larger account balances
Replies: 24
Views: 2016

Re: Your Experiences with Risk Tolerance and having smaller versus larger account balances

Pennstater, Is the year and a half time frame related to a life event or just a round-numbered birthday when you plan to re-evaluate as part of your IPS? Just curious about the time frame. My risk tolerance changed a few years back as I slowly accumulated what I considered a fairly sizeable amount ...
by pennstater2005
Wed Mar 22, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Need Video for Understanding Stocks
Replies: 3
Views: 326

Re: Need Video for Understanding Stocks

Full disclosure, I have not watched this whole video but what I did watch was very informative and easy to understand. Khan Academy always has good stuff.

https://www.khanacademy.org/economics-f ... ny-s-stock
by pennstater2005
Wed Mar 22, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Your Experiences with Risk Tolerance and having smaller versus larger account balances
Replies: 24
Views: 2016

Re: Your Experiences with Risk Tolerance and having smaller versus larger account balances

I started out 90/10 then 85/15 before finally settling in at 80/20. I saw my balance going up and had not really experienced a severe downturn and realized I probably didn't have the stomach anyway.

I'll be at that allocation for another year and a half and then revisit.
by pennstater2005
Mon Mar 20, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3383

Re: What is your preferred Weather App?

I use weatherbug.
by pennstater2005
Mon Mar 20, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA transfer to vanguard
Replies: 5
Views: 185

Re: SIMPLE IRA transfer to vanguard

$6700 total. well past the 2 year threshold (almost a decade old) first job out of college pretty much forgot about the account - now obviously trying to get all my investments under the vanguard umbrella. If I understand correctly, I can only roll up to the 5,500 limit? (Recently rolled a Roth ove...
by pennstater2005
Mon Mar 20, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA transfer to vanguard
Replies: 5
Views: 185

Re: SIMPLE IRA transfer to vanguard

Spirit Rider is referring to this IRS rule:

https://www.irs.gov/retirement-plans/si ... tributions

Read toward the bottom of the page.
by pennstater2005
Mon Mar 20, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA transfer to vanguard
Replies: 5
Views: 185

Re: SIMPLE IRA transfer to vanguard

Yes. You can choose the rollover IRA. And then those assets will be transferred in kind. No selling or buying is involved.

This is what I saw when I initiated my wife's simple IRA transfers and I chose rollover IRA.

Image
by pennstater2005
Mon Mar 20, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor
Replies: 9
Views: 452

Re: Newbie investor

^
Correct me if I'm wrong but isn't the Vanguard MM fund at .80% interest with a .16% ER?

Why not say an Ally account then paying 1%?
by pennstater2005
Mon Mar 20, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor
Replies: 9
Views: 452

Re: Newbie investor

Welcome to the forum! What is the interest rate on the student loans? How soon will they be paid off? You're getting the match on the 401k so good there. Are you investing in an IRA? 6.4% interest student loans and they should be payoff within 10 years from now. Right now no IRA investment's. 6.4% ...
by pennstater2005
Mon Mar 20, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard's comments on the economy and markets
Replies: 5
Views: 582

Re: Vanguard's comments on the economy and markets

Joe Davis, Vanguard's Global Chief Economist, has written a piece on the Vanguard website entitled, "We're not going back to the 80s but expect the Fed to raise rates." In it he gives Vanguard's view of the economy and markets, present and future. Vanguard believes that underlying macroec...
by pennstater2005
Mon Mar 20, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Newbie investor
Replies: 9
Views: 452

Re: Newbie investor

Welcome to the forum!

What is the interest rate on the student loans? How soon will they be paid off? You're getting the match on the 401k so good there. Are you investing in an IRA?
by pennstater2005
Mon Mar 20, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 2284

Re: Cheapest dress shirt to wear under a sweater

Men's Pattern No Iron Supima Pinpoint Straight Collar - Lands' End Dress Shirts - Costco I checked these out. I like them! And there was no surcharge on these for not being a member when I checked out. ETA: Just saw the above post. If they last two years I'll keep buying them. If they wear out in a...
by pennstater2005
Fri Mar 17, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Are Fund Managers Accurately Depicted? [in this movie]
Replies: 1
Views: 510

Re: Are Fund Managers Accurately Depicted? [in this movie]

I checked it out on Wikipedia. I don't know if I can get past the zombies. You know, nightmares and all :shock:
by pennstater2005
Fri Mar 17, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Wife's IRA
Replies: 7
Views: 387

Re: Investing Wife's IRA

I know that I am an account owner now on my wife's individual account at Vanguard and I can make transactions. I remember a form and maybe some verbal communication at one point. Is this an IRA or just a brokerage account? We're doing our joint investing through an LP, but IIRC we can't put two nam...
by pennstater2005
Fri Mar 17, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: an in depth look at gold
Replies: 91
Views: 6037

Re: an in depth look at gold

Gold does well, polls show favorable as an investment. Gold does bad, polls show less than favorable as an investment. Same with stocks and same with bonds I imagine. Emotional investing and investors...no surprise there.
by pennstater2005
Fri Mar 17, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Wife's IRA
Replies: 7
Views: 387

Re: Investing Wife's IRA

I know that I am an account owner now on my wife's individual account at Vanguard and I can make transactions. I remember a form and maybe some verbal communication at one point.
by pennstater2005
Fri Mar 17, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Moving IRA to Vanguard from Ameriprise
Replies: 4
Views: 348

Re: Moving IRA to Vanguard from Ameriprise

Sounds like you've got a pretty good handle on things then. What stock/bond ratio were you at with Ameriprise? Educating yourself is a huge part of this and if I could recommend one book that I read that was relatively easy to understand it's, "The Investor's Manifesto" by William Bernstei...

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