Search found 1907 matches

by pennstater2005
Thu Aug 25, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 504
Views: 45923

Re: What's Your Credit Card Rewards Strategy?

Well, got the denial letter from Chase today. As I expected, too many credit cards recently opened.
by pennstater2005
Mon Aug 22, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 504
Views: 45923

Re: What's Your Credit Card Rewards Strategy?

I tried for the Southwest Rapid Rewards card. It's Chase so unlikely I'll get it but applied anyway. 50k bonus points that I would use for gift cards not travel. I'm always renovating something and they have Lowes cards as an option for redemption. $99 annual fee though, not waived first year. I did...
by pennstater2005
Sat Aug 20, 2016 3:22 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5894

Re: Improving the Bogleheads forum

harrychan wrote:Ability to highlight the OP in the responses would be a great addition. I hate having to go back to page 1 first post to see who the OP was then scroll through to find responses or updates.


That's a good idea.
by pennstater2005
Sat Aug 13, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you adjust your AA to account for your age?
Replies: 29
Views: 2139

Re: How often do you adjust your AA to account for your age?

I'm 37 as well and have an 80/20 AA. I plan on revisiting this when I'm 40. Doesn't mean I'll do anything. It's in my IPS at age 40 to consider any possible changes that may have occurred including but not limited to; salary increase, risk aversion, employment changes, etc. I am married and my wife ...
by pennstater2005
Sat Aug 13, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: New Vanguard ONE App
Replies: 22
Views: 2475

Re: New Vanguard ONE App

I do most of my banking (Ally) and Vanguard transactions on my smartphone. This could be interesting.
by pennstater2005
Sat Aug 13, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5272

Re: Do you wash your car yourself, or have it done?

Is it bad to not wash your car? I have an 07' Accord and almost never wash it. It doesn't have any rust on it. At least none I can see :happy My kids occasionally wash it and I expect that's where all the little scratches have come from as I've seen the long brush being dragged across the driveway m...
by pennstater2005
Sat Aug 13, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 3581

Re: How many credit cards are too many?

^ I don't care about my credit score. I find a card that is giving 50,000 points for spending 2 or 3k in 3 months. That is easily my normal spending anyway. I've gotten a couple thousand dollars in gift cards recently just between 2 credit cards that I applied for in mine and my wife's name. Then I...
by pennstater2005
Fri Aug 12, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 3581

Re: How many credit cards are too many?

^ I don't care about my credit score. I find a card that is giving 50,000 points for spending 2 or 3k in 3 months. That is easily my normal spending anyway. I've gotten a couple thousand dollars in gift cards recently just between 2 credit cards that I applied for in mine and my wife's name. Then I ...
by pennstater2005
Fri Aug 12, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 30
Views: 3339

Re: Fidelity Rewards Visa 2% cash back

This is my primary credit card as well. It's been a good card with no difficulty redeeming the cash back awards. As a matter of fact it's set up automatically and a week ago I was checking my bank statement online and reward money and been deposited into my account. Nice surprise.
by pennstater2005
Fri Aug 12, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 3581

Re: How many credit cards are too many?

I have almost 20 cards opened in the last 3 years closing all but about 5. My credit score was right at 800 at last check.
by pennstater2005
Fri Aug 12, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 504
Views: 45923

Re: What's Your Credit Card Rewards Strategy?

^
Thanks. I'm out on any of those now too. I opened a Citi Thank you premiere card in my name and my wife's to get the $500 bonus on each card. We used those for Home Depot cards and finished one half of our basement.
by pennstater2005
Fri Aug 12, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 504
Views: 45923

Re: What's Your Credit Card Rewards Strategy?

Workinghard wrote:And now there's the new Citi 24 month "brand" rule that made headlines last night.


And what is that?
by pennstater2005
Fri Aug 12, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 504
Views: 45923

Re: What's Your Credit Card Rewards Strategy?

I think I've tapped out the cash rewards cards for now. There's a couple AMEX cards that have nice bonuses but I've already got a few and now when I attempt to get the offers I get a message saying something along the lines of "you are already an American Express customer and do not qualify&quo...
by pennstater2005
Mon Aug 08, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 2771

Re: Do you have a handyman?

He is me. He is I. Same here. It's nice to be able to do things yourself. I couldn't imagine having to call someone every time a light switch needed replaced or a crack in the drywall might need fixed. Although I understand why some folks would. I never had anyone teach me how to do those things I ...
by pennstater2005
Mon Aug 01, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 2648

Re: is this wise? purchasing honda cbr 250r

i'm not bored with my Honda Forza 300. It's a blast to ride and I'm sure the 250 is about the same. I think it depends how much adrenaline you require. I had a Kawasaki Ninja 250 that I rode for about six years. Lots of good points being made here but ultimately you have to figure out what is best ...
by pennstater2005
Tue Jul 26, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 5472

Re: Winter Tires: Yay or Nay

Yay. Winters for both wife and myself. And on dedicated rims so I can change them. I didn't put them on this year until late December. We hardly had any snow.
by pennstater2005
Thu Jul 21, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2016 Mid-Year Report
Replies: 26
Views: 2740

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: 4537

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: 3428

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: 527

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: 527

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: 148
Views: 9434

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: 5555

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: 2556

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: 2556

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: 2043

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: 6044

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: 7587

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: 30
Views: 3834

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: 3216

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: 9483

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: 30
Views: 3834

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: 9483

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: 2057

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: 4514

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: 7540

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: 504
Views: 45923

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: 7542

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: 504
Views: 45923

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: 504
Views: 45923

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: 504
Views: 45923

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: 504
Views: 45923

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: 206
Views: 20098

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: 3366

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: 1898

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: 1898

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: 7169

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: 6337

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: 1808

Re: Is the smiley face angry?

How about the "banging head on brick wall" emoji. That would go well coupled with the face palm.

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