Search found 2222 matches

by pennstater2005
Thu May 25, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1244

Re: Ally Self-Directed Trading

lazyday wrote:They've become a good and competitive online bank, so I wouldn't be too surprised if someday they have a good online brokerage.


That's what I was thinking. Although, I would still purchase directly through Vanguard unless Ally had some type of incentive to make it worthwhile to change.
by pennstater2005
Wed May 24, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1244

Ally Self-Directed Trading

Just got this email today. Ally is in the game.

https://www.ally.com/invest/self-direct ... L400000656
by pennstater2005
Wed May 24, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 34
Views: 3687

Re: anyone ever live/living on a boat?

I had a co worker a few years back who lived on a boat.....for a few weeks at a time. And when he got a little tired of it he went to his house for a night or two. I think he was 35 or so at the time. I have no personal experience though. I also have an aunt and uncle who have a gulfront residence i...
by pennstater2005
Fri May 19, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

I need to start keeping better track of which cards I've had, and my wife, and when. I had to use live chat with AMEX to see if I had applied for a card before. I hadn't and got the AMEX gold premiere rewards. My wife was the one that had it prior :oops: I've started a list on the "notes" ...
by pennstater2005
Fri May 19, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

It's a beautiful picture. The thing I've run into is I don't have fast enough internet to actually view true 4k although the upscaling does a fine job.
by pennstater2005
Fri May 19, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

tennisplyr wrote:Well, I just bought my tv and it was a Samsung...actually I bought 2, one a 40" and one a 50". Both are great.


Did you go 4k or HDR?
by pennstater2005
Wed May 17, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

Card bonuses are not taxable (same as rewards), correct? Correct. I've never received any forms for income. I will say that Wells Fargo has some nice offers as well. We just signed my wife up for a $200 reward for 1k spend. They have 2 more cards with the same offer and another with a 3K spend requ...
by pennstater2005
Wed May 17, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 27
Views: 2701

Re: Anyone use "MyPillow" pillows?

I have a contoured pillow made of memory foam with divots for the shoulder. It has greatly improved the quality of my sleep and reduced pain and soreness that I used to wake up with because I had neck surgery years ago. I sleep on my side and need a significant amount of support for my head to take...
by pennstater2005
Tue May 16, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4530

Re: Doctor wants Social Security number

Frankly, I would just supply it. [My opinion for myself] If you're talking about the Theraband we did. But with six different colors at approximately five foot lengths it was becoming quite costly. There are other ways to do the exercises without bands as well. And no one ever gets nasty about the ...
by pennstater2005
Tue May 16, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4530

Re: Doctor wants Social Security number

I still see the request for SS on most forms when filling out paperwork at a new Doctor. I always leave it blank (have twice experienced this in the last year). I'm guessing they'd like to have it if they can as it might help them collect payment if there is a problem. It shouldn't be required and ...
by pennstater2005
Mon May 15, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4530

Re: Doctor wants Social Security number

I had a dentists office try to get my SSN recently but I declined and left. They didn't back down. I was a little surprised. I also leave it blank now as well at other offices and have not had any issues.
by pennstater2005
Sat May 13, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2017 annual report
Replies: 2
Views: 675

Re: Bogleheads® Wiki 2017 annual report

Lots of hard work that is highly appreciated!
by pennstater2005
Fri May 12, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

Not sure where you are seeing these tv's at since as of March 1 2007 all tvs were required by law to have a digital tuner built in. DTV tuner enforcement The Commission's digital tuner rule specifies that as of March 1, 2007 all new television receivers must include digital tuners. This rule prohib...
by pennstater2005
Fri May 12, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

3) Some models do not have a built in TV tuner now so be sure to check that if you want to use over the air broadcasts. Not sure where you are seeing these tv's at since as of March 1 2007 all tvs were required by law to have a digital tuner built in. DTV tuner enforcement The Commission's digital ...
by pennstater2005
Thu May 11, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

3) Some models do not have a built in TV tuner now so be sure to check that if you want to use over the air broadcasts. Not sure where you are seeing these tv's at since as of March 1 2007 all tvs were required by law to have a digital tuner built in. DTV tuner enforcement The Commission's digital ...
by pennstater2005
Wed May 10, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1332
Views: 225249

Re: What are you up YTD? [Year To Date]

7% per the monthly madsinger report.
by pennstater2005
Wed May 10, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2386

Re: My old fashioned wristwatch - update

Not a bad idea. I have two watches I wear mostly with dress clothes but so rarely when I take them out of the drawer they're always dead. Decoration piece I guess :D Pull out the stem when storing them, so that the battery doesn't continue to run. Lasts longer that way (but not forever). I almost f...
by pennstater2005
Wed May 10, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2386

Re: My old fashioned wristwatch - update

Here is an "upgrade" idea: https://www.amazon.com/CASIO-F91W-1-Casual-Sport-Watch/dp/B00006I551/ref=sr_1_2/142-0999381-1574417?ie=UTF8&qid=1494429024&sr=8-2&keywords=casio+f91w This is my current and previous watch. They last about 5 years before the band wears out. Good value...
by pennstater2005
Wed May 10, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2386

Re: My old fashioned wristwatch - update

Not a bad idea. I have two watches I wear mostly with dress clothes but so rarely when I take them out of the drawer they're always dead. Decoration piece I guess :D
by pennstater2005
Wed May 10, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

I have a ten year old Panasonic plasma. I'm going to cry when it dies.
by pennstater2005
Wed May 10, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2592

Re: Samsung or LG tv?

Bought a 55" Samsung 4k last year and it's been perfect so far. I can even download an app to control it with my phone. This strikes me as the Nikon versus Canon debate....both great cameras. Currently $759 although I got it on sale last year for cheaper. http://www.bestbuy.com/site/samsung-55-...
by pennstater2005
Tue May 09, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: good book to recommend
Replies: 3
Views: 334

Re: good book to recommend

"The Investor's Manifesto" by William Bernstein. I had other books and read parts of them but this book was an extremely easy and fluid read. I won't need to read another book and don't plan on it.
by pennstater2005
Mon May 08, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2017)
Replies: 8
Views: 1024

Re: madsinger monthly report (April 2017)

Appreciate the work madsinger. Thanks as always!
by pennstater2005
Mon May 08, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

Guys - I need some advice on how to most efficiently accumulate airline/hotel points for a trip later this year. I currently have Chase Sapphire Preferred and Barclays Arrival +. Both of which I have already spent the initial spend bonus points. What is next? All the links I have found on Reddit sh...
by pennstater2005
Sat May 06, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

Card bonuses are not taxable (same as rewards), correct? Correct. I've never received any forms for income. I will say that Wells Fargo has some nice offers as well. We just signed my wife up for a $200 reward for 1k spend. They have 2 more cards with the same offer and another with a 3K spend requ...
by pennstater2005
Sat May 06, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

If there is fraud I'll get a phone call or letter. Are you sure? Seems very risky. I suppose checking your credit reports annually would also work, but what if a thief maxes out the card 9 months or more before you catch it? I wouldn't be responsible for it though. I would have to call the credit r...
by pennstater2005
Fri May 05, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover assistance
Replies: 7
Views: 451

Re: 401K rollover assistance

Welcome to the forum :D

You can rollover that money to an IRA or if you know you'll soon have employment you can roll it over to the new employer 401k.

Check out the wiki for rollover 401k options. I tried to link it but it wasn't working.
by pennstater2005
Fri May 05, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Question about AIG fraud settlement
Replies: 3
Views: 378

Re: Question about AIG fraud settlement

I looked at the IRS publication on that as well and it looks taxable unless there is some form of physical suffering involved and even that wasn't exactly clear.
by pennstater2005
Thu May 04, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Help with portfolio (account provider change)
Replies: 4
Views: 204

Re: Help with portfolio (account provider change)

You're welcome. At least your retirement plan funds changed for the better!
by pennstater2005
Thu May 04, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Help with portfolio (account provider change)
Replies: 4
Views: 204

Re: Help with portfolio (account provider change)

Well, if you wanted to get real simple you could just hold the Vanguard Total World Stock fund. Below are the funds ten largest holdings as of 3/31/17. Month-end ten largest holdings (8.6% of total net assets) as of 03/31/2017 1 Apple Inc. 2 Microsoft Corp. 3 Alphabet Inc. 4 Exxon Mobil Corp. 5 John...
by pennstater2005
Thu May 04, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Beginner Here - What to do before i qualify for 401k?
Replies: 5
Views: 397

Re: Beginner Here - What to do before i qualify for 401k?

Welcome to the forum :D Have you read the Wiki here yet. It's got a ton of good info. https://www.bogleheads.org/wiki/Getting_started Also when asking for possible portfolio advice a fair amount of info is needed. Do you have an emergency fund of any sort? Are you currently funding a Roth or Traditi...
by pennstater2005
Thu May 04, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7406

Re: Favorite Financial Indulgences

My lawn....chemicals galore!!!
by pennstater2005
Thu May 04, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Morningstar article--Service Complaints Aside, Investors See Value at Vanguard
Replies: 10
Views: 732

Re: Morningstar article--Service Complaints Aside, Investors See Value at Vanguard

Definitely a fairly oft discussed topic here. I've had mostly good experiences but I rarely ever contact them. If I was in fairly regular contact with them and service was sub par I can see how that would be frustrating. My contact is almost always through secure email and a response is usually with...
by pennstater2005
Tue May 02, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

Card bonuses are not taxable (same as rewards), correct? Correct. I've never received any forms for income. I will say that Wells Fargo has some nice offers as well. We just signed my wife up for a $200 reward for 1k spend. They have 2 more cards with the same offer and another with a 3K spend requ...
by pennstater2005
Tue May 02, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 4360

Re: Banking in Marriage

We have joint everything, except, of course, retirement accounts because we can't. I don't know how often she checks the accounts, but it wouldn't drive me crazy if she checked it every half hour. How would I know? I guess it just depends on what each of you is comfortable with. My wife and I have ...
by pennstater2005
Mon May 01, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4218

Re: Buying couches the Boglehead way

I bought mid range from Value City. I expect maybe 8 years or do which is fine. I don't want furniture that lasts 20 years. Too boring :P I want to freshen up the room every once in awhile. Well, that and my furniture upstairs will migrate to the family room in the basement. That stuff is rough and ...
by pennstater2005
Mon May 01, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8672

Re: Dealing with regret

I've regretted, in one way or another, every purchase I've ever made :D
by pennstater2005
Mon May 01, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

I have quite a few credit cards now. The ones with annual fees in the second year I cancel right after the bonus is completed and rewards are received. The others I still have. Should I cancel these slowly over time or just all at once? Does it make a difference? I'm not overly worried about my cre...
by pennstater2005
Mon May 01, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

I have quite a few credit cards now. The ones with annual fees in the second year I cancel right after the bonus is completed and rewards are received. The others I still have. Should I cancel these slowly over time or just all at once? Does it make a difference? I'm not overly worried about my cre...
by pennstater2005
Fri Apr 28, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

Re: What's Your Credit Card Rewards Strategy?

I have quite a few credit cards now. The ones with annual fees in the second year I cancel right after the bonus is completed and rewards are received. The others I still have. Should I cancel these slowly over time or just all at once? Does it make a difference? I'm not overly worried about my cred...
by pennstater2005
Thu Apr 27, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 2810

Re: Baby on the way checklist

Travel now because when you have a kid you wont be traveling anywhere for a couple years. Three kids ages 5, 3, and 10 months. About an hour is all I can stand. Good thing my kids think Lake Erie is the ocean :D Haha, love this comment. In the same boat as you, have ages 4, 2, and 6 months, and our...
by pennstater2005
Wed Apr 26, 2017 5:34 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 18534

Re: Why not add a "like" button to Boglehead posts?

10YearPlan wrote:Personally, I would appreciate a LIKE button and find it ironic that we're open to emojis but LIKE buttons are for 12 year olds.


Glad to see my comment from 4.5 years ago still holds some weight :thumbsup (Is the thumbs up an emoji :?: )
by pennstater2005
Mon Apr 24, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Administration Professionals Day
Replies: 17
Views: 1618

Re: Administration Professionals Day

Part of the reason is that no other professional has a special day True.....except National Pharmacist Day - January 12 National Weatherman Day - February 5 National Salesperson Day - First Friday in March Dentist Day - March 6 Registered Dietician Day - Second Wednesday in March National Doctors D...
by pennstater2005
Mon Apr 24, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 2810

Re: Baby on the way checklist

ponyboy wrote:Travel now because when you have a kid you wont be traveling anywhere for a couple years.


Three kids ages 5, 3, and 10 months. About an hour is all I can stand. Good thing my kids think Lake Erie is the ocean :D
by pennstater2005
Sun Apr 23, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 253263

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: 70
Views: 8324

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 "Goodbye."
Replies: 336
Views: 36720

Re: Larry Swedroe says "Goodby."

Good luck Larry and enjoy your family :beer

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