Search found 1868 matches

by pennstater2005
Thu May 26, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 115
Views: 4290

Re: What's Your Credit Card Rewards Strategy?

I churn. I've opened 23 new credit cards in the last 2 years. 14 are still open. Problem is there are really not a lot of cards left that I'm interested in now that the Chase 5/24 rule is in place. When not trying to hit an intro bonus, I've been spending on my Club Carlson card to get to the extra...
by pennstater2005
Wed May 25, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 115
Views: 4290

Re: What's Your Credit Card Rewards Strategy?

Currently churning for bonuses. If/when I hit all the bonuses I'll go back to Chase Freedom for 5% categories and Chase Unlimited for 1.5% on everything else, then convert to ultimate rewards. This. Did the Citi Bank bonus for my wife and myself. Got $1,000 worth of gift cards between Wal Mart and ...
by pennstater2005
Wed May 25, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 115
Views: 4290

Re: What's Your Credit Card Rewards Strategy?

Currently churning for bonuses. If/when I hit all the bonuses I'll go back to Chase Freedom for 5% categories and Chase Unlimited for 1.5% on everything else, then convert to ultimate rewards. This. Did the Citi Bank bonus for my wife and myself. Got $1,000 worth of gift cards between Wal Mart and ...
by pennstater2005
Wed May 25, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 115
Views: 4290

Re: What's Your Credit Card Rewards Strategy?

Currently churning for bonuses. If/when I hit all the bonuses I'll go back to Chase Freedom for 5% categories and Chase Unlimited for 1.5% on everything else, then convert to ultimate rewards. This. Did the Citi Bank bonus for my wife and myself. Got $1,000 worth of gift cards between Wal Mart and ...
by pennstater2005
Fri May 20, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11693

Re: Is there a such thing as a blue collar Boglehead?

I used to do landscaping/excavating until I was about 25. After an aching low back and various joints I knew I couldn't do that type of work for another forty years. So, back to school I went. I obtained a two year degree for physical therapist assistant. It's not physical labor by any means but it ...
by pennstater2005
Fri May 13, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Career ambitions, life changes
Replies: 18
Views: 3199

Re: Career ambitions, life changes

Also, I've realized that I need a challenge and crave learning, but those needs don't have to be tackled via my career. So I started a blog, and I took a mindfulness class earlier this year, and I rejoined a gym and am challenging myself physically...I'm also investing in building some new friendsh...
by pennstater2005
Fri May 13, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 24
Views: 1693

Re: Radon Mitigation System

We just had interior basement waterproofing completed. And it is considered an open system. I've read that it could possibly open one up to higher levels of radon. I'm not concerned because we test every other year and it's always at 1.1 or lower.
by pennstater2005
Fri May 13, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 24
Views: 1693

Re: Radon Mitigation System

It might be worth considering whether anyone in the house is/was a smoker when evaluating radon risk and how much mitigation to do. The risk posed by radon seems to be greatly increased for smokers. For example, the EPA estimates that exposure to a radon level of 4 pCi/L over a lifetime could resul...
by pennstater2005
Thu May 12, 2016 5:59 am
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6594

Re: When is cash better than plastic?

packet wrote:... to make it rain


This one is very important. You just never know.
by pennstater2005
Wed May 11, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 5869

Re: Do all Boglesheads die at 100?

If you die at 100 and 50 is your goal that leaves 50 years work free! Lucky you :happy
by pennstater2005
Sat May 07, 2016 7:57 pm
Forum: Forum Issues and Administration
Topic: Is the smiley face angry?
Replies: 12
Views: 1619

Re: Is the smiley face angry?

How about the "banging head on brick wall" emoji. That would go well coupled with the face palm.
by pennstater2005
Sat May 07, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10202

Re: Is buying organic really that expensive?

I try to eat as healthy as possible but can't always afford to do so.
by pennstater2005
Fri May 06, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13833

Re: how much cash do you carry in your wallet?

Cheyenne wrote:It's not a good idea to carry more than about $300 in cash unless you're willing to have it seized in a traffic stop under civil forfeiture laws.


I had to look that up. That's a little scary but good to know. Evidently, folks are trying to get that system reformed.
by pennstater2005
Fri May 06, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13833

Re: how much cash do you carry in your wallet?

None. Unless I'm heading to a place I know is cash only. My wallet is not conducive to carrying cash.

http://www.saddlebackleather.com/credit ... wallet-usa
by pennstater2005
Thu May 05, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 10296

Re: WOW fantastic Cars in the Wild

1966 Shelby AC Cobra Super Snake. About a year and a half ago the last 1966 Shelby Cobra 427 Super Snake sold for $5.1 million. Too sweet! I saw an original AC Cobra once at a car show but it wasn't the Super Snake. Only two were ever built by Shelby. Bill Cosby actually bought one but the story goe...
by pennstater2005
Thu May 05, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4264

Re: Do you check credit card statements?

Not as much as I should. That's how I caught credit card fraud one time a few months back. I should check it every month for every credit for any suspicious activity. The card company never contacted me for the fraud.
by pennstater2005
Mon May 02, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4432

Re: Best drill/driver for home use

My brother is a carpenter and has always used Porter Cable tools. That's why I started using them. I've had good luck with them. I've had some friends have good luck with Rockwell's line of tools.
by pennstater2005
Sun May 01, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Best High-Yield Online Account for Emergency Fund?
Replies: 28
Views: 3371

Re: Best High-Yield Online Account for Emergency Fund?

Another satisfied Ally customer.

· Live chat
· Ease of adding additional savings accounts
· Free checks
· ATM reimbursement up to $10/month
· Good phone app
· Competitive savings and checking rates
· Good bill pay options

I've only had to use customer service once and it was fine.
by pennstater2005
Sat Apr 30, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7279

Re: I cannot stop buying...

Personally, I read "The Investor's Manifesto" by Dr. William Bernstein. I purchased other books, maybe 4 more, and haven't ready any of them. I got the gist of it with that one book. It's all I needed personally. If you enjoy reading finance and are learning new things, buy away. Someday I...
by pennstater2005
Fri Apr 29, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4432

Re: Best drill/driver for home use

I purchased a 12V Bosch drill and impact driver set from Jet. They charge $140 but offer a 15% first purchase discount, plus no tax or shipping charge. So my final charge for the set was about $119. Thanks for all of your help. Great choice. You should get years of use. I wish I would've bought the...
by pennstater2005
Wed Apr 27, 2016 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 4906

Re: AA. Now 70/30. Thinking of 80/20.

^ Not sure why you quoted me. I was pointing out this is an old thread. I'm guessing the OP has, after 3 years, already made a decision. Maybe not. The OP might be routinely checking this thread, biting his/her nails and staring at the screen hotly anticipating any new advice. I was gonna throw in a...
by pennstater2005
Wed Apr 27, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 4906

This thread is nearly 3 years old.

Just in case anyone missed it, this is a a nearly 3 year old thread.
by pennstater2005
Wed Apr 27, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3724

Re: BH Way of Landscaping?

TxAg wrote:I've adopted it as one of my hobbies. Our yard looks pretty good right now.


Me too! Having almost three kids now it's much easier having an at home hobby.
by pennstater2005
Wed Apr 27, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3724

Re: BH Way of Landscaping?

Don't try to kill the weeds the first year. Let them grow with the grass. Any weed killers you apply before the grass becomes firmly established will kill it too. Next year apply pre-emergent weed and crab grass control in the early spring to knock them out before they get a chance to begin growing...
by pennstater2005
Tue Apr 26, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4432

Re: Best drill/driver for home use

One other thing I'll add is that you should go to say Lowe's to actually hold different drills. I found that DeWalt felt different from Porter Cable and so on. I say Lowe's because they carry all the major brands and if you decide to buy are usually priced competitively. Disclaimer: I don't work for...
by pennstater2005
Mon Apr 25, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4432

Re: Best drill/driver for home use

I bought the Porter Cable 20v lithium ion drill when I was remodeling my kitchen. Extremely light and came with an extra battery. I used it to drill through cement block when installing a new copper water line to an outside garage. I also used it for the drywall in the kitchen and the battery really...
by pennstater2005
Sat Apr 23, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7998

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

So, after all the advice given here, do you have any idea what you are going to do?
by pennstater2005
Fri Apr 22, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7998

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Just because one has 1800 posts on a financial forum does not mean they are immune to having emotional highs and lows. This is the place to come and hopefully get saved from an irrational decision.
by pennstater2005
Fri Apr 22, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: What do you wish you had known in your early 20's?
Replies: 46
Views: 4675

Re: What do you wish you had known in your early 20's?

Be serious about your education. Make more money. Save more money.
by pennstater2005
Tue Apr 19, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2568

Re: Roku 3 v. Apple TV v. ???

I originally bought the Roku 3 but returned it for Apple TV (3rd gen) because I was having trouble keeping the Roku connected to the wifi. And once I used the AirPlay feature with the iPhone and Macbook I was hooked. If you don't have other Apple products this won't matter to you. We mostly use it f...
by pennstater2005
Tue Apr 19, 2016 6:52 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8900

Re: Better than amazon??

Just bought Radian R120 car seats from Albee baby website for $216. That was with a ten percent discount and free shipping. Amazon wanted $255. I went to Albee. It's now advertised for $255 there. They were listed at $241 with a 10% discount once in cart. I ordered last week. I need the Chicco key ...
by pennstater2005
Mon Apr 18, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8900

Re: Better than amazon??

I've pretty much stopped shopping at Amazon since they've raised the free shipping minimum to $50. Also they continue to do nothing about the blatant sponsored reviews "I received this product at a discount in exchange for my honest and unbiased review." Those reviews have ruined research...
by pennstater2005
Mon Apr 18, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8900

Re: Better than amazon??

I've pretty much stopped shopping at Amazon since they've raised the free shipping minimum to $50. Also they continue to do nothing about the blatant sponsored reviews "I received this product at a discount in exchange for my honest and unbiased review." Those reviews have ruined research...
by pennstater2005
Mon Apr 18, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8900

Re: Better than amazon??

Just bought Radian R120 car seats from Albee baby website for $216. That was with a ten percent discount and free shipping. Amazon wanted $255. I went to Albee. It's now advertised for $255 there. They were listed at $241 with a 10% discount once in cart. I ordered last week. I need the Chicco key ...
by pennstater2005
Mon Apr 18, 2016 6:41 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8900

Re: Better than amazon??

Just bought Radian R120 car seats from Albee baby website for $216. That was with a ten percent discount and free shipping. Amazon wanted $255.
by pennstater2005
Sat Apr 16, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8900

Re: Better than amazon??

I've used Jet a few times and have had a fine experience. Shipping was a little slow but arrived. I still tend to use Amazon for most items and have not noticed any drastic upswing in their pricing. I did just receive a mailer from Jet with 15% off my next 3 orders so I'll probably take advantage of...
by pennstater2005
Thu Apr 14, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5624

Re: The Lawn vs. The Homeowner (guess who's winning)

You guys are complete lemmings following the Scott's care, etc. here's something I picked up elsewhere You will need: One full can of regular pop (any kind-no diet soda) One full can of beer (no light beer) 12oz 1/2 Cup of Liquid dishwashing soap (do NOT use anti-bacterial dishwashing liquid) 1/2 C...
by pennstater2005
Thu Apr 14, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5624

Re: The Lawn vs. The Homeowner (guess who's winning)

Have you heard of the design methodology called "permaculture"? You could design your yard into a food-giving system that requires little maintenance over the long-haul and serves you. Here's a video that shows what your lawn could look like for you and how far you could take it. https://...
by pennstater2005
Wed Apr 13, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5624

Re: The Lawn vs. The Homeowner (guess who's winning)

Ya I would never do that or recommend it. Neither would any of the lawn care folks I would work with. If you have been doing that for years and still have a weedy yard it is simply not working. I use no herbicides except minor spot treatment (less than a dozen weeds in a .75 acre) because the grass...
by pennstater2005
Wed Apr 13, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5624

Re: The Lawn vs. The Homeowner (guess who's winning)

Where does this myth of spraying chemicals all over your lawn come from? You either do spot treatment or if your lawn is in tatters you rip it all up and sod it. What myth? I did a blanket spray of 2,4D and Dicamba two times 2 weeks apart. Then followed that up with triclopyr herbicide for the toug...
by pennstater2005
Wed Apr 13, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5624

Re: The Lawn vs. The Homeowner (guess who's winning)

Last year I started using Milorganite as my fertilizer. It's organic and I like it better than the Scott's products because it has more slow-release nitrogen, which limits my top growth and therefore how often I need to mow. I would definitely recommend using a pre-emergent in early Spring to preve...
by pennstater2005
Tue Apr 12, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5624

Re: The Lawn vs. The Homeowner (guess who's winning)

Head on over to Around the yard and you'll get excellent advice there. First thing to start with will be a soil sample so you're not throwing money away with things your yard may not need. They have an organic lawn care section. I got my yard looking great.


http://aroundtheyard.com/organic/
by pennstater2005
Fri Apr 08, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: When is it ok to splurge?
Replies: 83
Views: 8140

Re: When is it ok to splurge?

I just bought 12 bags of milorganite. That was a splurge for me. It's all in my trunk and the car stinks to high heaven :D That was quite the contribution, I'm sure everyone is impressed. Awww, did you have a bad day Mr. New England? Thanks for taking the time out of your day though to respond :P
by pennstater2005
Fri Apr 08, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: When is it ok to splurge?
Replies: 83
Views: 8140

Re: When is it ok to splurge?

I just bought 12 bags of milorganite. That was a splurge for me. It's all in my trunk and the car stinks to high heaven :D
by pennstater2005
Thu Apr 07, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 3760

Re: How often does your credit card # get stolen?

Just once with my Fidelity AMEX. It was used in Sao Paulo, Brazil showing up as a cable services charge.
by pennstater2005
Thu Apr 07, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8806

Re: I'm Addicted

pennstater2005 wrote: Asking for advice about addiction from a group of addicts seems wrong Recovering addicts best understand addiction. They have experienced the downside and use it's unacceptability as a reference to motivate themselves to make a different choice when the behavior is about to st...
by pennstater2005
Thu Apr 07, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8806

Re: I'm Addicted

Asking for advice about addiction from a group of addicts seems wrong :wink:
by pennstater2005
Tue Apr 05, 2016 7:16 am
Forum: Personal Consumer Issues
Topic: Filtered Water?
Replies: 27
Views: 1651

Re: Filtered Water?

We have the Woder 10K that installs under the sink. It took me about five minutes. Definite difference in taste. Purchased through Amazon.
by pennstater2005
Sun Apr 03, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3378

Re: Breaking concrete

As to the putting 5" of topsoil over the concrete, I would advise against that. Grass roots typically grow to around 4" and sometimes more so you don't want those roots coming up against the concrete. They may not develop appropriately. It sounds like a pretty big job. I would be thinking ...
by pennstater2005
Fri Apr 01, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5670

Re: Do you pay for yardwork?

jharkin wrote:Oh dont get me wrong.... I have a lot of fun gas powered toys - they just are not yard tools :sharebeer


Ahhh....those are the really fun ones! I used to have some of those but alas, no more :(

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