Search found 1744 matches

by pennstater2005
Wed Feb 10, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Bear Meat
Replies: 15
Views: 1068

Re: Bear Meat

gkaplan wrote:Threads such as these make me thankful that I'm a vegetarian.


Threads such as these make me thankful that I'm not a vegetarian.
by pennstater2005
Wed Feb 10, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 58
Views: 2658

Re: Best Car for Family of 5?

Even though we are keeping our cars, as I said in a previous post, it's going to be a pain in my a** to get the baby out from the middle. I'll never go anywhere ever again. I really don't want a car payment either. After we paid the cars off I said "well just fund an account like we're making t...
by pennstater2005
Tue Feb 09, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: "Wall Street Strategists Are Cutting Their 2016 Estimates"
Replies: 14
Views: 1564

Re: "Wall Street Strategists Are Cutting Their 2016 Estimates"

This was the first time I entered the contest, and I made a rookie mistake: I picked 2222.22. Thought it was cute. But so did five other entrants! :oops: So if I win, I have to split the prize 6 ways. :( That's gonna seriously impact the scale of my victory party. Next year, I'm goin' with a random...
by pennstater2005
Tue Feb 09, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 2173

Re: Internet becoming "Small"

I guess I'm limited to just a handful of websites that I visit regularly. I steam Netflix fine with internet speeds of only 1.5mb/sec. That slow speed still costs me $26/mo.
by pennstater2005
Tue Feb 09, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 58
Views: 2658

Re: Best Car for Family of 5?

We have two with a third on the way. We're keeping our cars. The car crash detective is a great website and source of information for three seats across safely. You can find your car year, make, and model. That's what we've done.

http://www.thecarcrashdetective.com/3-a ... uide-html/
by pennstater2005
Sun Feb 07, 2016 8:57 pm
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 74
Views: 5971

Re: "Picking Individual Stocks is a Loser's Game"

I started out with a Franklin Templeton mutual fund (high ER) and about 10 individual stocks. I really had no idea what I was doing until I came here and began reading. It's much easier, and less stressful, for me (and my wife) to manage 1 or 2 funds. I know some folks do it with no problem it's jus...
by pennstater2005
Sun Feb 07, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7075

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

mouses wrote:Plastic is evil.


Maybe you can recycle them when they die.
by pennstater2005
Sun Feb 07, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7075

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

So, I actually have LED's in almost every fixture in my house now. Once I found a 2700K 60 watt that felt like incandescent lighting I went all in. My stash is for in the future. When incandescent bulbs are impossible to find, I'll have loads of them.....for sale on eBay! I'm figuring this into my o...
by pennstater2005
Sun Feb 07, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7075

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

We are behind the times, have no LED bulbs, have no problems. Barring some revolution in incandescent technology, incandescent bulbs will be almost unobtainable within 10 years: I have seen forecasts of 90% LEDs within 5 years (working from memory) which I thought a bit extreme. Given that incandes...
by pennstater2005
Sat Feb 06, 2016 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: What growth rate would you use?
Replies: 75
Views: 3556

Re: What growth rate would you use?

I save what I can investing in diversified, low cost mutual funds. The rest is out of my hands. I don't think about it much.
by pennstater2005
Wed Feb 03, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10773

Re: Do you pay for exercise?

Don't go to a gym. I bought a boxing bag awhile back and was pretty faithful at using it for about 2 months then that fell off. I'm amazed at how hard it is to find time between work and kids to work out. Part of that is true and part of that is me being lazy. I work in a physical therapy clinic and...
by pennstater2005
Wed Feb 03, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5582

Re: Recent Vanguard Trouble

How much of this is user error? We'll never know. I'm pretty sure I didn't put down Reforestation Technologies International as the source for my direct deposit. I'm about 99.99999% sure that I put down the name of my real employer. I wasn't singling you out. I just meant in general user error must...
by pennstater2005
Wed Feb 03, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5582

Re: Recent Vanguard Trouble

How much of this is user error? We'll never know.
by pennstater2005
Mon Feb 01, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3425

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

^
So we agree you change it if it leaks. Not sure why you quoted me then to say the same thing I said.
by pennstater2005
Mon Feb 01, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3425

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

You'll still need to replace the serpentine belt and water pump at some point. No need to replace the water pump on a car with a timing CHAIN until/unless the pump starts to leak. You will typically replace the water pump when doing a timing BELT since, if the pump fails later, you have to go in an...
by pennstater2005
Sun Jan 31, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Banks or credit unions
Replies: 37
Views: 2263

Re: Banks or credit unions

Ally bank for all banking needs now. I was a member of a credit union for about 15 years. Their free checks went away, ATM reimbursement went away, savings interest decreased all the way to .25%, no mobile banking (for mobile check deposit, bill pay, and transfers) with no intention of ever getting ...
by pennstater2005
Sun Jan 31, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3425

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

This is a little embarrassing but I'm going to come clean. My Accord is a four cylinder so apparently based on this thread I don't even have a timing belt. I have a chain. :oops: My last Accord had a belt so I just assumed this one was the same. Great news and thanks for the education. You'll still...
by pennstater2005
Sun Jan 31, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3425

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

One thing to know, and I'm sure you already know, is that the 2.4L has a maintenance-free timing chain versus the v6 timing belt. That was one of the reasons I bought the 2.4L Accord over the v6 version. Although if the oil isn't changed regularly in the 2.4L timing chain model it can "stretch&...
by pennstater2005
Sun Jan 31, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5001

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

The only disadvantage with filing through the NJ website is that I do need to re-input most of the information. This was the primary reason why I always used Free Tax USA software to file my state taxes. But after a probable error this year, although not much, I'll be doing it through the PA direct...
by pennstater2005
Sat Jan 30, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5001

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

For what it's worth.....I used Free Tax USA to file my federal and "almost" state taxes. The reason I say almost for state taxes is because it showed I owed $7 which made me curious. So, I went through PA's direct file system and when I was done it had me owing $0. Not sure how Free Tax US...
by pennstater2005
Thu Jan 28, 2016 9:18 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4613

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Great work Serge!
by pennstater2005
Thu Jan 28, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4237

Re: Which news source do you use?

Smart News is a great news app for smartphones or tablets. Lots of sources all in one place and well organized into categories.
by pennstater2005
Thu Jan 28, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Roofing Replacement Estimate??
Replies: 24
Views: 1524

Re: Roofing Replacement Estimate??

Western PA here. Had a few estimates for a house around 1100 sq ft. Most were around $4000. All quotes were from Amish builders. I've had great success with them in the past for other projects. They show up early, work all day, and clean up fantastically. One of the Amish builders did a roof on a ho...
by pennstater2005
Tue Jan 26, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6071

Re: perfectly happy with cable

Sling TV with a fast enough internet connection gets you, as far as sports is concerned, ESPN and ESPN 2 and for $5 extra dollars the Sports package which includes:

ESPN U
ESPN News
ESPN SEC Network
ESPN Bases Loaded
ESPN Buzzer Beater
ESPN Goal Line
beinHD sport
Outside television
Univision sports
by pennstater2005
Mon Jan 25, 2016 11:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6298

Re: Where is YDNAL?

I have enjoyed and learned lots from posts by many of the posters being mentioned here.
by pennstater2005
Sun Jan 24, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6231

Re: Netflix increasing prices. Will you keep it?

Should also add that it's great for kids. With no ads, I don't have to worry about my kids asking for toys. We went to my parents place and they watched cable and were totally annoyed by the ads. That and they couldn't figure out why we couldn't play what they wanted (and couldn't pause). Hilarious...
by pennstater2005
Sun Jan 24, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6231

Re: Netflix increasing prices. Will you keep it?

Will definitely keep it. Staying with SD. For $8 a month it's an easy decision. With all their original content we have tons to watch. Watching Nurse Jackie right now. Well, not right now....the NFC Championship game is on!
by pennstater2005
Sun Jan 24, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 3224

Re: Car tire replacement

As other posters above, I've used tire buyer with great success. Prices beat tire rack easily with shipping. I've also used tread depot recently for winter tires and had a pleasant experience.
by pennstater2005
Sun Jan 24, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3599

Re: Vanguard Store Items

I bought the ceramic travel mug ($7). I dropped my ceramic Starbucks mug in the sink and that did it in. The Starbucks mug was $10.95 in store so this was a better deal especially with free shipping.

I thought about buying a t-shirt but I've got enough already that I don't wear.
by pennstater2005
Sun Jan 24, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: Brake pads/rotors: will shop install my parts?
Replies: 24
Views: 1803

Re: Brake pads/rotors: will shop install my parts?

Advance Auto Parts with their never ending discount codes. A good one is P20 (20% off) I do most of my own maintenance. I've found that the price and quality of most parts are better online than at Advance Auto Parts, Amazon, etc. Even with 20% off. Most repairs are not emergencies, so it's not a p...
by pennstater2005
Sun Jan 24, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5001

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

Going to try Free Tax USA this year. Been using it for quite some time now. It has served me well. I'm trying TT free federal and state as a comparison before I submit. Free Tax USA charges $12.95 for state returns. Will be using NYS free software ( available on website ) for state return. For what...
by pennstater2005
Sat Jan 23, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5001

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

joe8d wrote:Going to try Free Tax USA this year.


Been using it for quite some time now. It has served me well. I'm trying TT free federal and state as a comparison before I submit. Free Tax USA charges $12.95 for state returns.
by pennstater2005
Sat Jan 23, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: Brake pads/rotors: will shop install my parts?
Replies: 24
Views: 1803

Re: Brake pads/rotors: will shop install my parts?

I buy my parts and then take them to my local mechanic for installation if it's something I can't do. I can get them cheap for an Accord and Sonata through Advance Auto Parts with their never ending discount codes. A good one is P20 (20% off) at online checkout then you just pick up at selected Adva...
by pennstater2005
Sat Jan 23, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 4869

Re: What online Email do you use

Gmail for my real email. Hotmail and Yahoo for fake accounts that I give when something requires an email address. I'm guessing those puppies are full now, never checked :D
by pennstater2005
Sat Jan 23, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 82
Views: 4866

Re: Do you use the service of a CPA or you do your tax yourself?

I've used freetaxusa for about the last ten years now. It's free for me and $12.95 to file for state. My taxes are pretty simple and so this year I'm considering using Turbo Tax as they offer free federal and state if you use a 1040EZ, which I do. I'm still going to file, but not submit, with each t...
by pennstater2005
Sat Jan 23, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 42
Views: 3582

Re: Stats on Americans 'cutting the cable' ?

I work at a University and I have to say I am yet to talk to someone under 30 who has ever paid for cable TV. I am with you, but older folks think you are crazy if you don't have it. I have never had cable in my life, then again I never had a TV as an adult until pretty recently, but I couldn't eve...
by pennstater2005
Sat Jan 23, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6949

Re: What was your % pay raise?

Slightly off topic........Has anyone ever received a pay raise but wasn't notified of it?
by pennstater2005
Wed Jan 20, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6949

Re: What was your % pay raise?

0%. No raise in five years. I've been with the company for 9 years and initially received very nice raises through 4 years. However, that put me near the top for my position in this area and so if I leave I would likely take a pay cut. Did get an unexpected bonus though a week ago. Finally bought th...
by pennstater2005
Fri Jan 15, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: Anyone shifting their AA?
Replies: 91
Views: 6513

Re: Anyone shifting their AA?

Sticking with 80/20 with no plans to change. I did however, about two weeks ago, sell off some of my Roth IRA to pay off my wife's 6.8% student loan debt. It was driving me crazy. Not anymore! I had the same 6.8% student loan debt. There are a few places that are willing to refinance as of more rec...
by pennstater2005
Fri Jan 15, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: Anyone shifting their AA?
Replies: 91
Views: 6513

Re: Anyone shifting their AA?

Sticking with 80/20 with no plans to change. I did however, about two weeks ago, sell off some of my Roth IRA to pay off my wife's 6.8% student loan debt. It was driving me crazy. Not anymore!
by pennstater2005
Fri Jan 15, 2016 8:45 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 677

Re: Vanguard.com

I'm able to log in now and see my accounts but can't purchase a fund.
by pennstater2005
Sun Jan 10, 2016 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4557

Re: Lottery Win...Could a Boglehead handle it?

I'll stick to playing the $1000 week for life about once every 2 or 3 years. That's more my speed :happy
by pennstater2005
Sat Jan 09, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4557

Re: Lottery Win...Could a Boglehead handle it?

A true BH, if lucky enough to win the lottery, would choose the anonymity winner option. To my knowledge, this option of not having your identity disclosed is available to winners in all states that participate in Powerball. As already posted, avoiding having that target on your back is of prime im...
by pennstater2005
Sat Jan 09, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4557

Re: Lottery Win...Could a Boglehead handle it?

I'd have Rick Ferri or William Bernstein handle it.
by pennstater2005
Wed Jan 06, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6209

Re: Netflix, Your Current Favorite Show

It's Always Sunny in Philadelphia. I need to laugh. Season 10 just came out.
by pennstater2005
Wed Jan 06, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Roku vs. Apple TV Considerations
Replies: 43
Views: 3871

Re: Roku vs. Apple TV Considerations

I found the Apple TV 3rd generation on Wal Mart's website and purchased for $51.75 although I believe it is back up to $64.99. It has everything I need for viewing and works seamlessly via Airplay with my iPhone and Macbook. No more cords connecting anything to the tv. I went to the Apple store yes...
by pennstater2005
Mon Jan 04, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: RFID wallet?
Replies: 12
Views: 1312

Re: RFID wallet?

I use a Saddleback wallet which has RFID protection. It holds four to five credit cards per side comfortably and I can fit a folded up bill in there as well. I'll never go back to a regular wallet again. 100 year warranty. Only $27.

http://www.saddlebackleather.com/credit ... ard-wallet
by pennstater2005
Sun Jan 03, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Purchase on Credit Card
Replies: 10
Views: 815

Re: Fraudulent Purchase on Credit Card

I've been considering the Citi Double Cash so that may be the next step depending on how this plays out.
by pennstater2005
Sun Jan 03, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Purchase on Credit Card
Replies: 10
Views: 815

Re: Fraudulent Purchase on Credit Card

See the last several weeks here; https://www.bogleheads.org/forum/viewtopic.php?f=2&t=174642&start=50 Several Brazilian cable charges. Several cards cancelled. They know about these guys and do nothing except cancel your card and have you wait for a new one and change any auto pays. Took th...
by pennstater2005
Sun Jan 03, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Purchase on Credit Card
Replies: 10
Views: 815

Re: Fraudulent Purchase on Credit Card

I'm surprised AMEX didn't catch it first. I had 3 cards hacked twice each and AMEX always called me right when the charges hit my account. I had to contact Cap 1 and Chase myself. I have several cards but only use 2 or 3 at a time. I always, always, always check every charge before I pay. I even lo...

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