Search found 1891 matches

by pennstater2005
Thu Jul 21, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2016 Mid-Year Report
Replies: 26
Views: 2598

Re: BOGLEHEAD CONTEST -- 2016 Mid-Year Report

I am a terrible guesser.
by pennstater2005
Tue Jul 05, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 4369

Re: Your Favorite Factory Tours?

Straub Brewery in St Mary's, PA. All I can say is " The Eternal Tap".
by pennstater2005
Tue Jul 05, 2016 6:57 am
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 3290

Re: The Declaration of Independence

Tycoon,

Thanks for posting that transcript. I'm a bit ashamed to admit it but that's the first time I've ever read that document in it's entirety. I'm glad I did.
by pennstater2005
Fri Jul 01, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Boat Recommendations
Replies: 8
Views: 512

Re: Boat Recommendations

^
Glastron, Four Winns, and Monterey all make outboard models as well as I/O.
by pennstater2005
Fri Jul 01, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: Boat Recommendations
Replies: 8
Views: 512

Re: Boat Recommendations

Can't speak to any brands as I only owned an Avanti and I believe they only make power/performance boats now. I do wish I would've bought an outboard motor and not an inboard/outboard. Mo' motors mo' problems. It's tight around those inboard motors and they're hard to work on. Lots of folks have I/O...
by pennstater2005
Fri Jul 01, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8621

Re: How many of you have cut cord?

For those looking for sports.....I google the terms "NHL reddit, NFL reddit, MLB reddit, and so on. You'll see the link that says "MLB Reddit streaming". Scroll down a ways and find a link. Some work, some don't. Some have ads on the screen that are difficult to clear but clicking the...
by pennstater2005
Fri Jun 24, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: Brexit: What does Vanguard think?
Replies: 29
Views: 5485

Re: Brexit: What does Vanguard think?

Saw Vanguard's message then purchased monthly shares of VASGX. Something I would've done anyway.
by pennstater2005
Tue Jun 21, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 27
Views: 2484

Re: Ally CashBack Credit Card

If you're just looking for a sign-up bonus, there are scores more cards that are better. 2.2% for gas & groceries does beat the Citi Double Cash (which is 1.99% on everything), but the new Costco card is 4% on gas (up to $7k/year). 1.1% is a joke. I've done most of the ones out there. I don't h...
by pennstater2005
Tue Jun 21, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 27
Views: 2484

Re: Ally CashBack Credit Card

I will probably get it for the easy $100. I got two I'm working on right now. Keep em coming!
by pennstater2005
Sun Jun 19, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Buying a used car from a rental agency
Replies: 23
Views: 2006

Re: Buying a used car from a rental agency

I bought a one year old Accord from a dealer but was told that it came from a rental company. It had 36,000 miles on it. I still have it 8 years later with no issues aside from normal maintenance. It has 128,000 miles on it now.
by pennstater2005
Thu Jun 16, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5873

Re: Neighborhood kids setting up lemonade stand on my property

Set up your own lemonade stand. Competition is good for everybody.
by pennstater2005
Thu Jun 09, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7304

Re: Your shopping strategy for new tires?

I've used Tire Buyer, Tires-Easy, TreadDepot, and Discount Tire Direct. Some great deals to be had by all but especially with the first three. They seem to have more brands. I bought Yokohama Touring S tires for my Accord years back at around $50 a tire now the same tire is somewhere between $80-$90...
by pennstater2005
Mon Jun 06, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2529

Re: Carpeting-Costco or Home Depot?

No not rarely.Home Depot is very easy to beat price wise and Costco is not even in the ball park. No. Rarely. I've carpeted 4 houses in the last 10 years. HD and Costco killed the local guys on price. I went with the local guys, because I wanted to. This has been my experience too. Local carpet sto...
by pennstater2005
Sun Jun 05, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 3134

Re: How do you change your AA over time?

80/20 at age 37. I plan to re-evaluate at age 40.
by pennstater2005
Sun Jun 05, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9251

Re: Leave garage door open?

I say leave it open! Live free man!
by pennstater2005
Sat Jun 04, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2529

Re: Carpeting-Costco or Home Depot?

I had Lowe's install our carpet. The guy they sent out did a great job. We actually had an issue with the carpet in the kids rooms not matching exactly and Lowe's had it torn out and completely replaced free of charge.
by pennstater2005
Sat Jun 04, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9251

Re: Leave garage door open?

I was chatting to the fellow who was installing a garage door for me and he recommended spraying the springs with wd-40 annually to increase the life, when lubricating the hinges joining the sections and rollers. I have no idea if it makes much difference to spring life but I do it now. WD-40 is ac...
by pennstater2005
Tue May 31, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: backyard for a new house, pavers questions
Replies: 36
Views: 1947

Re: backyard for a new house, pavers questions

I didn't read any of the replies but what about stamped concrete? Great weed suppression and longer lasting than pavers. Supposedly cheaper overall as well. Color of your choice. Can simulate brick, wood, stone, tile etc. I've got neighbors that have done it and it's beautiful. https://en.wikipedia....
by pennstater2005
Mon May 30, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much can you make from the credit card / bank account game?
Replies: 54
Views: 4335

Re: How much can you make from the credit card / bank account game?

So far this year approximately $1700. This is in gift cards and cash back redeemed as statement credits.
by pennstater2005
Mon May 30, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 27
Views: 7446

Re: Roku - Does everything cost $$?

Everything that's normally free online (abc.com, nbc.com,fox.com etc) Roku is an aggregator media server with dvr capabilities not a content provider. Almost all of this is incorrect, as far as I'm aware. I suspect that you've never owned or used a Roku. I don't own a Roku, but thats because I know...
by pennstater2005
Sun May 29, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30720

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
Fri May 27, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 7337

Re: Do I want a house with a pool?

We had a pool growing up and I have lots of great memories from it. Having birthday pool parties with friends over. Midnight swimming because my dad put up a light near the pool. We had a fence around it and a deck with a locked gate. If older kids really wanted in they could've but we never had a p...
by pennstater2005
Thu May 26, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30720

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: 343
Views: 30720

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: 343
Views: 30720

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: 343
Views: 30720

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: 12763

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: 3312

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: 1839

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: 1839

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: 7010

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: 6183

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: 1762

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: 10708

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: 14532

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: 14532

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: 10614

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: 4530

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: 4809

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: 3525

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: 7518

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: 4809

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: 5049

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: 5049

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: 3929

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: 3929

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: 4809

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: 4809

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: 8476

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?

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