Search found 2393 matches

by pennstater2005
Sun Apr 08, 2018 8:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7997

Re: Too much Bogleheads.org?

GoldenFinch wrote:
Sun Apr 08, 2018 8:13 pm
pennstater2005 wrote:
Sun Apr 08, 2018 7:56 pm
For myself eventually the original excitement wore off. I figured it out and now it's mostly boring.

After 2,438 posts! :beer
That many? :oops:
by pennstater2005
Sun Apr 08, 2018 7:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7997

Re: Too much Bogleheads.org?

For myself eventually the original excitement wore off. I figured it out and now it's mostly boring.
by pennstater2005
Sat Mar 31, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 50
Views: 6190

Re: What’s the magic savings rate???

goingup wrote:
Fri Mar 30, 2018 11:56 am
I read this here years ago and think it is probably true:

*Save 10% and you'll do fine
*Save 20% and you'll thrive
*Save 30% and you'll be wealthy
I like that.
by pennstater2005
Sat Mar 31, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61488

Re: Netflix, Your Current Favorite Show

I just finished Season 2 of Better Call Saul , which is the latest available on Netflix. A quick google search suggests that Season 3 will show up on Netflix a few weeks before Season 4 is released on AMC. Hopefully, that will occur around the end of March. ... Season 3 of Better Call Saul showed u...
by pennstater2005
Wed Mar 28, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3129

Re: Hulu, Your Current Favorite Show

Has anyone here tried HBO Now? Seems like they have a fair amount of decent shows. I’m getting bored of both Netflix and Hulu.
by pennstater2005
Tue Mar 27, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3129

Re: Hulu, Your Current Favorite Show

I got through 5 minutes of Horace and Pete. The first episode was over an hour :shock: I’m going to start The Looming Towers tonight.
by pennstater2005
Sun Mar 25, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3129

Re: Hulu, Your Current Favorite Show

Getting ready to start Horace and Pete. Have "The Son" starring Pierce Brosnan marked in my stuff for later.
by pennstater2005
Sun Mar 25, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7074

Re: What Budget? Do you keep one?

This thread pushed me to finally download Mint. I've got all accounts linked to it and budget limits set for various spending categories. It will be interesting to see what I get out of this after a few months. I was able to link my fuel, sewage, gas, and phone bills as well. I had it once before bu...
by pennstater2005
Sun Mar 25, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21654

Re: Anyone Deleting Facebook?

Iliketoridemybike wrote:
Sat Mar 24, 2018 9:32 pm
munemaker wrote:
Thu Mar 22, 2018 1:26 pm
Never used it. I have no interest in reading and posting a bunch of crap on the internet.
Um....
:D
by pennstater2005
Fri Mar 23, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7074

Re: What Budget? Do you keep one?

Mental budgeting. I could stand to do better.
by pennstater2005
Thu Mar 22, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21654

Re: Anyone Deleting Facebook?

I use it to keep track of my children and grandchildren's activities and photos. I deleted mine because I wasn't using it but lots of people will stay on for the reason Munir listed. For some families it's an easy way to stay connected, especially if you live far apart or don't get to see each othe...
by pennstater2005
Sat Mar 17, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61488

Re: Netflix, Your Current Favorite Show

I hate to admit it but think Man Down is funny. It is undoubtedly not for everyone because it is quite silly and sophomoric, however the characters are funny especially the star Greg Davies. I have only watched three episodes so it might become old but so far it has provided me with some big laughs...
by pennstater2005
Fri Mar 16, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question on credit limit increases
Replies: 16
Views: 1158

Re: Question on credit limit increases

I requested an increase online for my AMEX BCP and Fidelity 2% cards. AMEX approved it immediately without checking credit. Fidelity sent me a letter stating they could not unless I unfroze my credit.
by pennstater2005
Sun Mar 11, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5965

Re: Finally Cutting the Cord - YouTube TV

Waiting for it to come to my area. I'm hoping they have a deal on a Roku if you pre pay for a month or two. I've gotten two Roku's that way using Sling TV and DirectTV now.
by pennstater2005
Sun Mar 11, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61488

Re: Netflix, Your Current Favorite Show

Capsu78 wrote:
Sun Mar 11, 2018 2:42 pm
pennstater2005 wrote:
Sun Feb 25, 2018 9:27 pm
Un-paused my membership to watch Halt and Catch Fire season 4.
Thanks for sharing- just started watching and it's very good so far.
You're welcome :beer Just watched the series finale last night. It's a great show!
by pennstater2005
Fri Mar 09, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61488

Re: Netflix, Your Current Favorite Show

Un-paused my membership to watch Halt and Catch Fire season 4. A kindred spirit! I caught the first season when it aired but then got busy with life and missed the next three so I've been going through it again. Currently halfway through season 3! A seriously underrated show IMO. I'm a software dev...
by pennstater2005
Wed Mar 07, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10451

Re: Ok fellow bogleheads, was the correction scary or nothing?

It was something. Just not scary. Sort of expected, maybe?
by pennstater2005
Wed Mar 07, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3129

Re: Hulu, Your Current Favorite Show

Any comments on The Looming Towers. Thinking of starting it since I finished The Wrong Mans. I haven’t gotten started yet on The Looming Towers. But it looks good. The Path also looks good. I actually just paused my Hulu subscription for one month and went back to Netflix for a month to catch up on...
by pennstater2005
Mon Mar 05, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3569

Re: Etiquette of hanging up on live telemarketers

If I don’t recognize the number I don’t answer it. Then I immediately put it on the block list in my iPhone.

Hanging up seems to be about the best option.
by pennstater2005
Mon Mar 05, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2230

Re: Bathroom remodel decision

This is what I’m considering for my future bathroom remodel to save space. http://i68.tinypic.com/119qtqw.png But doesn't that only save floorspace? My cousin has all the toilets wall mounted (commercial style) in his home. The only benefit I see is it is easier to clean. I believe the install is m...
by pennstater2005
Mon Mar 05, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2230

Re: Bathroom remodel decision

This is what I’m considering for my future bathroom remodel to save space.

Image
by pennstater2005
Sun Mar 04, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5278

Re: What is your investment strength?

Understanding risk and return are highly correlated and where my risk tolerance lies.
by pennstater2005
Sun Mar 04, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2230

Re: Bathroom remodel decision

Yooper16 wrote:
Sun Mar 04, 2018 10:09 am
I'd rather shower with someone than stand next to them while we brush our teeth in separate sinks.
:P
by pennstater2005
Sat Mar 03, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 5708

Re: What will you do with your tax refund?

Savings account. I'm one of the "bad" ones here that gets a refund on purpose. I use it as a forced way of savings for things such as new roof, bathroom remodel, amongst other things. I just don't trust myself to save that money for exactly those purposes. This way it comes all at once at the end o...
by pennstater2005
Sat Mar 03, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 5708

Re: What will you do with your tax refund?

Savings account. I'm one of the "bad" ones here that gets a refund on purpose. I use it as a forced way of savings for things such as new roof, bathroom remodel, amongst other things. I just don't trust myself to save that money for exactly those purposes. This way it comes all at once at the end of...
by pennstater2005
Fri Mar 02, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24846

Re: Where to buy a Vanguard hat? An Update and good news

I sent a private message from their Facebook page and I have a new Vanguard coffee mug on the way! They responded in less than a day. I don't know how many they have left but all I did was leave my name and address through the PM. Here's the mug: http://i63.tinypic.com/abp89t.jpg And here's the FB ...
by pennstater2005
Fri Mar 02, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 47
Views: 6190

Re: What bed did you get your toddler and how long did you use it?

Regarding toilet training, we got my four year old a nice memory foam mattress and she is not fully potty trained yet. Still has a pull up on a night. But, they make waterproof mattress covers for exactly this purpose. And they work. We have one on our bed because the kids occasionally sleep with us...
by pennstater2005
Thu Mar 01, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 47
Views: 6190

Re: What bed did you get your toddler and how long did you use it?

Twin platform frames and memory foam mattress from Amazon. The kids love them and if I have to spend sometime up there in the middle of the night they're more than tolerable.

My kids that are using the mattresses are six and four. I'll upgrade them down the road when needed.
by pennstater2005
Wed Feb 28, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 18927

Re: What was your % pay raise?

A year after my original post in this thread I finally received a raise. It had been five years since my last so I was hoping it would be a good one. It was. 10%. And we have a new director who will be giving performance reviews so I may get another small one this year.
by pennstater2005
Wed Feb 28, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24846

Re: Where to buy a Vanguard hat? An Update and good news

It's not free. We all pay for them. :D Sorry about that :P Considering the above comments, it would be nice if Vanguard gave each of its Flagship clients one of these small items as a gift every year or so. I don't know what that would cost, but if Vanguard is giving away coffee mugs to random peop...
by pennstater2005
Wed Feb 28, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24846

Re: Where to buy a Vanguard hat? An Update and good news

tj wrote:
Wed Feb 28, 2018 11:08 am
It's not free. We all pay for them. :D
Sorry about that :P
by pennstater2005
Wed Feb 28, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5096

Re: Dealership oil change worth it?

I don't have the time to do it myself so that is not an option. I can change the oil and filter in less than 30 minutes at home, and I know I replaced the crush washer, torqued the drain bolt correctly, and added the right amount of oil. There is no place I can go for an oil change and reliably be ...
by pennstater2005
Tue Feb 27, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24846

Re: Where to buy a Vanguard hat? An Update and good news

Mug came. It's damn nice for being free!

Image

Sitting with the new pour over stuff.
by pennstater2005
Tue Feb 27, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5096

Re: Dealership oil change worth it?

Our local Honda dealer generally has coupons available for $19.99 dollar oil change. When that comes around I take advantage of it. You just have to be ready to turn down about $600 worth of stuff they found wrong :D

Check their website for deals.
by pennstater2005
Tue Feb 27, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37261

Re: What UN-frugal thing do you do?

billy269 wrote:
Tue Feb 27, 2018 1:07 am
I splurge on name brand Q-tips. The off-brand ones just don't feel the same in my ear canals.
So true! Less cotton or something on the end. Nothing like poking the side of your brain with hard plastic when you're not expecting it!
by pennstater2005
Mon Feb 26, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 6944

Re: Strategies for getting out of a car dealership quickly?

And remember, these guys are good. They get lots of folks into these warranties. They have lots of different tactics. You can't be intimidated or embarrassed to tell them no. I'm never truly comfortable sitting in that little room with the finance guy because I know what's coming but you can't back ...
by pennstater2005
Mon Feb 26, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 6944

Re: Strategies for getting out of a car dealership quickly?

Just keep saying “yes, I want to cancel it”. Yes, yes, yes, yes, yes.......cancel it. This worked when I declined it recently except I used the word no instead. You can do this. Don’t let them give you crap! Good luck :D Saw the post above me....I did have to repeat it over and over. The guy wouldn’...
by pennstater2005
Mon Feb 26, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
Replies: 39
Views: 1919

Re: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?

Pitfalls: Safe Deposit Boxes? Large Cash Withdrawals? Bank Checks Instantly? Medallion Signatures? These are all services I periodically use. I guess I should consider a different bank than Capital One. Medallion signatures can be obtained online. Haven’t done it yet but plan to in the future. http...
by pennstater2005
Mon Feb 26, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
Replies: 39
Views: 1919

Re: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?

We love online banking and it’s been over 13years since we visited one. Personally we don’t see us visiting even this new type of bank office. Also in some countries even ATM’s + cash are on the decline as online/mobile payments take off. Agreed. Looks neat I guess but still wouldn’t draw me in. I ...
by pennstater2005
Sun Feb 25, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10608

Re: How Far is too Far, Commuting?

catdude wrote:
Sun Feb 25, 2018 9:26 pm
it averaged about 20 minutes each way.
That's about what mine is currently. I don't mind it at all. By the time I get a few sips of coffee and listen to some sports radio I'm there. And on the way home it feels like some nice wind down time.
by pennstater2005
Sun Feb 25, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61488

Re: Netflix, Your Current Favorite Show

Un-paused my membership to watch Halt and Catch Fire season 4.
by pennstater2005
Sun Feb 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: How long would a 09' Hyundai Sonata last?
Replies: 13
Views: 1151

Re: How long would a 09' Hyundai Sonata last?

We have an 09' Sonata GLS. It has 100k miles. No issues yet. I imagine it will start needing small things around maybe 150k.

I had an 07' Accord that recently needed an ignition switch and three out of four sway bar link arms replaced. That was stuff I could do myself.
by pennstater2005
Sun Feb 25, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10608

Re: How Far is too Far, Commuting?

This is a good article on extreme commuting. I remember something on Sixty Minutes or something like it awhile back about long commutes into D.C.

https://mobile.nytimes.com/2017/07/21/r ... oogle.com/
by pennstater2005
Sun Feb 25, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9353

Re: Blasphemy... DO PEEK!

The nice thing about index funds is I have a general idea what is going on by just checking to see what the market did that day.
by pennstater2005
Sun Feb 25, 2018 2:45 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 100
Views: 13494

Re: Bogleheads is back!!!

I went outside and drank a beer. Then I checked "is it down" website. Then I had another beer. Sitting by the smoker now.
by pennstater2005
Sat Feb 24, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3129

Re: Hulu, Your Current Favorite Show

Getting ready to start Shut Eye. A dark comedy about storefront psychics and the crime syndicate that runs them. Trailer looked good and it's another Hulu original. Also looking forward to The Looming Towers. It starts on February 28th. Trailer link below. https://m.youtube.com/watch?v=bgsdAUKIICo
by pennstater2005
Sat Feb 24, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 24
Views: 1747

Re: What vacations or weekend getaways are you taking this summer?

I probably sound terrible for saying this but with three kids under the age of six, anything over an hour in the car is just self torture. I feel you, was just typing this out. Have a newborn and toddler, will be lucky to get to the grocery store. It's a treat to go to the grocery store. Lowe's is ...
by pennstater2005
Sat Feb 24, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 24
Views: 1747

Re: What vacations or weekend getaways are you taking this summer?

I probably sound terrible for saying this but with three kids under the age of six, anything over an hour in the car is just self torture.

So, Presque Isle in Erie, PA should do it :D Maybe even a few times.
by pennstater2005
Sat Feb 24, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3129

Re: Hulu, Your Current Favorite Show

BashDash wrote:
Sat Feb 24, 2018 8:29 pm
Pennstater I just finished the wrong mans ( season 1) on your recommendation. Awesome! Thanks!
You're welcome! The only bad part is that it's only two seasons :(
by pennstater2005
Fri Feb 23, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refund? Not so fast! [Tax refund]
Replies: 30
Views: 2878

Re: Refund? Not so fast! [Tax refund]

When did you file? Regular mail February 6. Direct deposit for refund? Yes The refund is negligible. But I would like to be sure they got the return. The site won’t give me that info yet. Filing and sending through snail mail could possibly slow your overall process. I filed with taxfreeusa.com and...