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by pennstater2005
Sat Feb 25, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Not sure what direction to go.
Replies: 4
Views: 377

Re: Not sure what direction to go.

Is that the lowest SoFi can go? We almost used Citizen Bank student loan refinancing before just paying them off. Although, to be fair they were only the high interest ones at around $12,000. The rest we kept because they were all 3% or under and I'd rather invest versus paying those ones down. We h...
by pennstater2005
Sat Feb 25, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Not sure what direction to go.
Replies: 4
Views: 377

Re: Not sure what direction to go.

She has a 401 (I think it's A....basically work throws money in it for her) and started a Roth last year that is currently at 5,500. Work gives her money for the 401K which is good. Does she have money taken out to get a match? It doesn't really matter because you want the money the employer is giv...
by pennstater2005
Sat Feb 25, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Check Your Beneficiaries!
Replies: 41
Views: 3285

Re: Check Your Beneficiaries!

I just checked my beneficiaries for all Vanguard accounts a few weeks back. I had not added any of our three kids yet! I was just perusing the website once I was logged in and came across it. Glad I did. I can only think of a life insurance policy at work and the term life insurance as other account...
by pennstater2005
Sat Feb 25, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 36
Views: 2450

Re: Vanguard Lousy Customer Service

I would move on. Nothing is worth stressing that much over. +1 probably the best thing to do to keep OP's sanity. +2 As established by the OP's original post, this was an in-service rollover, implying he is not retired and still with his employer. Therefore, unless his employer changes plan sponsor...
by pennstater2005
Fri Feb 24, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 36
Views: 2450

Re: Vanguard Lousy Customer Service

My bad. I was reading the part where the OP noted it was going from a Vanguard 401k to a Vanguard IRA. I assumed the OP was retired and thus could rollover his 401k to a different institution.
by pennstater2005
Fri Feb 24, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 46
Views: 3242

Re: Talking with parents' financial advisor

I think it's usually a really bad idea to stick your nose in your parents finances, unless you actually know what you're doing, but that's just me. You aren't just replacing high cost investments with low cost investments, you're personally taking on the role of being their new advisor. That's fine...
by pennstater2005
Fri Feb 24, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 36
Views: 2450

Re: Vanguard Lousy Customer Service

I would move on. Nothing is worth stressing that much over.
by pennstater2005
Fri Feb 24, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 104
Views: 6922

Re: For people who think the market is going to crash, where along the continuum are we?

No idea where at along the continuum. I do know that I will continue on per my IPS. Where did I put that thing anyway.....
by pennstater2005
Thu Feb 23, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Investment [determining risk tolerance?]
Replies: 6
Views: 336

Re: Investment [determining risk tolerance?]

Risk tolerance is a very personal decision. How much of a drop in your money could you stomach if the markets dropped 50%? For some folks age factors in. I'm 38 and have many more years of investing and so I know I can tolerate big drops in the market because I assume I'll have time to recover. As I...
by pennstater2005
Thu Feb 23, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: AP: Americans buy existing homes at fastest pace in a decade
Replies: 20
Views: 1970

Re: AP: Americans buy existing homes at fastest pace in a decade

I have noticed more mailings from local real estate companies offering to list my house for me. How generous of them :happy
by pennstater2005
Wed Feb 22, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads work BECAUSE its hard
Replies: 22
Views: 2454

Re: Bogleheads work BECAUSE its hard

No matter how many or little zeroes you have at the end of your portfolio it really doesn't matter much when the above happens. Luckily for me none of the above have, but have seen enough in the close folks around me that one needs to feel they have "won the game" not based on, "I go...
by pennstater2005
Wed Feb 22, 2017 5:13 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads work BECAUSE its hard
Replies: 22
Views: 2454

Re: Bogleheads work BECAUSE its hard

Phineas J. Whoopee wrote:I am a Boglehead, and I disagree.

It works because it works. Whether it's hard is immaterial.

PJW


Agreed.
by pennstater2005
Wed Feb 22, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 55
Views: 8118

Re: Get $250 from Wells Fargo

Also signed up for the $150 credit card bonus for both of us. $800 from Wells Fargo. I did this and met the bonus almost immediately as I just used the card for a big purchase and then quit using it. It still shows in the rewards section as pending. You can have it applied as a statement credit, ge...
by pennstater2005
Sun Feb 19, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 14248

Re: Sallie Mae Rewards MC being discontinued

I usually don't get emotional about CCs, but it was a sad day yesterday when I called to cancel my card. I was averaging about $25/month in rewards. Customer Service wanted to give me another Barclay CC, but for some reason were not allowed to transfer to a fee card. I declined. $25 a month was abo...
by pennstater2005
Sun Feb 19, 2017 8:05 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2623

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

An amazing group to be a part of! If not for this forum I'd still be in a high cost mutual fund with an advisor that had his best interests at heart.
by pennstater2005
Sat Feb 18, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced and starting to invest...suggestions on where to start?
Replies: 13
Views: 566

Re: Inexperienced and starting to invest...suggestions on where to start?

I was also planning down the line to start putting a little into a vanguard fund. I would consider putting a lot into a Vanguard fund and much less into the individual stocks you are looking at if you are for sure going to buy individual stocks. I started with a little into a mutual fund and most i...
by pennstater2005
Thu Feb 16, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6413

Re: Credit cards vs. Cash

Page 3 is right about when these threads get out of control.
by pennstater2005
Wed Feb 15, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1174

Re: Investing Advice for Baby/Infant

I would tell your son that Dad and Mom got this! In all seriousness though I agree with bottlecap on this one.
by pennstater2005
Wed Feb 15, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1961

Re: Where to buy rare steaks?

Believe it or not I bought a nice steak from our local butcher and did not enjoy. Can't remember the exact cut though. Bought the same thing from Wal Mart as a trial and really enjoyed it. Maybe my palate is in decline. Easier on my wallet though :D
by pennstater2005
Tue Feb 14, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10118

Re: Bogleheads not the norm?

* 3 month efund * Not maxing all retirement accounts * low paying job (at least I feel like it here - truly I feel blessed though) * student loan debt But I have a low stress job and get to spend loads of time with my family. Haven't worked overtime or a weekend in more than ten years. I've saved ve...
by pennstater2005
Tue Feb 14, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6413

Re: Credit cards vs. Cash

I pay most everything with credit cards. I have not found yet that I spend more. For us it's just normal monthly spending and it's very easy to track. I will say my foray into the world of credit card "churning" has made it a little more tedious to track but I manage. I use cash at a few l...
by pennstater2005
Sat Feb 11, 2017 10:48 pm
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2592

Re: welcome home bogleheads.org

Thanks Larry! That is a beautiful facility.
by pennstater2005
Sat Feb 11, 2017 9:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9136

Re: Your USER NAME...what does it mean?

I discovered the Bogleheads forum after wandering in the investment desert for longer than many; hence, got here late. I thought your name was go there late ! :wink: I sometimes experience visual confusion and read it as " go the relate ." :wink: Upon request, a moderator could fix it wit...
by pennstater2005
Fri Feb 10, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2611

Re: How do Bogleheads buy phones?

Personally, older iPhones on eBay. I'd like to buy new but I can't bring myself to make monthly payments on a phone or spend $700 or more outright. I'll probably buy the iPhone SE next time as I like the smaller screen.
by pennstater2005
Thu Feb 09, 2017 6:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9136

Re: Your USER NAME...what does it mean?

David Jay wrote:
pennstater2005 wrote:Yuuge Ohio State fan!


cute...


Alright. 2005 Penn State grad in physical therapist assistant program. Can't believe I've been doing it for nearly 12 years already!
by pennstater2005
Thu Feb 09, 2017 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9136

Re: Your USER NAME...what does it mean?

Yuuge Ohio State fan!
by pennstater2005
Thu Feb 09, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 14248

Re: Sallie Mae Rewards MC being discontinued

Just finished my last redemption on my card and we're finishing out my wife's card to get above the $25 minimum redemption threshold. I've just applied for the AMEX BCP as my grocery and gas card. So sad. So it looks like Fidelity Visa for 2% everything and AMEX BCP for gas/groceries. I can live wit...
by pennstater2005
Thu Feb 09, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

With every Barclay Card that I've applied for I have received the message "you will be notified by mail" for approval or not. I've gotten an email almost every time saying I was approved. I'm not sure why it's not instant but Barclay card has never not approved me or my wife. We each have ...
by pennstater2005
Mon Feb 06, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 4493

Re: Keep a Local Bank?

miles monroe wrote:safe deposit box.

medallion guarantee. needed it twice. will i need it again? who knows, but its there if i need it.


Are there penalties for inactivity? That's why we closed a Hungtinton account. $5 monthly withdrawal for inactivity.
by pennstater2005
Mon Feb 06, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. Just got the Barclay Card Arrival which is 50,000 points. I don't travel so I'll be doing the partial redemption for $250 in Home Depot gift cards to get a sweet Bluetooth controlled electric smoker :D I've got a $500+ travel purchase I need t...
by pennstater2005
Mon Feb 06, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Washer and dryer - upstairs or downstairs?
Replies: 52
Views: 2922

Re: Washer and dryer - upstairs or downstairs?

Ours is in the basement. It's right there with the furnace and hot water heater. There is a drain on that side if something was to happen. I'd prefer it on the first floor however as that's where the master bedroom is. Someday I plan on relocating it to the first floor. Was the laundry typically in ...
by pennstater2005
Mon Feb 06, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

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... Haven't received the statement credit yet. I read the rewards portion of the...
by pennstater2005
Sun Feb 05, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 4493

Re: Keep a Local Bank?

This will sound weird. I've never actually been inside a physical bank building, except for accompanying my parents when I was a small child. I've never personally had a "local bank" in my entire life. I've banked with USAA for 24 years (since high school), and recently also with Synchron...
by pennstater2005
Sun Feb 05, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4806

Re: Walmart.com vs. Amazon.com

I live close enough to a Walmart that I don't even think to use their website. Amazon is my go to although I always price check a few different websites because they're not always cheapest.
by pennstater2005
Sun Feb 05, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4725

Re: Does anybody else out there still pay for an email address?

I never knew paying for email was a thing.
by pennstater2005
Sun Feb 05, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Just redeemed my last rewards from my Sallie Mae MC. I am finishing up my wife's Sallie Mae MC over the next few weeks to get the rewards to the $25 redemption and then I guess we're done :(

Onto the AMEX BCP.
by pennstater2005
Fri Feb 03, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. Just got the Barclay Card Arrival which is 50,000 points. I don't travel so I'll be doing the partial redemption for $250 in Home Depot gift cards to get a sweet Bluetooth controlled electric smoker :D I've got a $500+ travel purchase I need t...
by pennstater2005
Fri Feb 03, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Thule "clamp-on" car roof rack
Replies: 20
Views: 1712

Re: Thule "clamp-on" car roof rack

We used Thule rack on a Nissan Maxima that had no factory rack. The custom-for-car clamps in the roof gutters were awesome, came with locks, fit perfectly, didn't mar the finish on the car because of the perfect rubber padding that was part of the customized part for the specific car. They can be l...
by pennstater2005
Fri Feb 03, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 1733

Re: All investments with Vanguard - Should I diversify

Some say yes, some say no. I don't because I'm lazy and because I'm trying to keep it simple for my wife as she has no interest at all.
by pennstater2005
Fri Feb 03, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Simple small countertop microwave for 90-year-old mother?
Replies: 11
Views: 780

Re: Simple small countertop microwave for 90-year-old mother?

We have this one, although a slightly older version. It has been excellent and the feature that makes it so simple is just a dial to turn up to set time. Ever used any other buttons. I cook everything on high so can't speak to any other settings but as for simplicity it's definitely got that. https:...
by pennstater2005
Fri Feb 03, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. Just got the Barclay Card Arrival which is 50,000 points. I don't travel so I'll be doing the partial redemption for $250 in Home Depot gift cards to get a sweet Bluetooth controlled electric smoker :D
by pennstater2005
Wed Feb 01, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Ahoy mates! Big thanks!
Replies: 5
Views: 833

Re: Ahoy mates! Big thanks!

Awesome! It takes lots of dedication to do it right.
by pennstater2005
Tue Jan 31, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Finally got a 401k at work!
Replies: 3
Views: 272

Re: Finally got a 401k at work!

Thanks! I posted because I would tell my parents or siblings but they don't get very excited about low expenses or DFA funds :D
by pennstater2005
Tue Jan 31, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Finally got a 401k at work!
Replies: 3
Views: 272

Finally got a 401k at work!

After ten years at my current employer we now have a Safe Harbor 401k profit sharing plan. I assumed the worst but after a meeting yesterday with the plan administrators I was pleasantly surprised. My employer gives a 3% non elective contribution. They're all fiduciaries and they use DFA funds. My e...
by pennstater2005
Thu Jan 26, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 7272

Re: Products to cope with other drivers' LED headlight

The headlights coming at me do seem brighter but I just avoid looking directly at them. The ones in the mirrors are worse and so I turn the side mirrors out. I have a tinted back windshield so it's not an issue.
by pennstater2005
Wed Jan 25, 2017 12:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7345

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Taylor,

You were so kind to me when I first started posting and asking questions. That stuck with me. You are unbelievably gracious and kind on this forum. I don't think I've ever read a snarky post from you. I can't say that for myself. God bless you!

Eric

Oh yeah...Happy Birthday :beer
by pennstater2005
Tue Jan 24, 2017 10:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Notice of Bogleheads Conference 2017?
Replies: 2
Views: 514

Re: Notice of Bogleheads Conference 2017?

Per Mel Lindauer, it will be announced April 5th.

viewtopic.php?t=204728
by pennstater2005
Tue Jan 24, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to stop working overtime?
Replies: 56
Views: 4453

Re: Can I afford to stop working overtime?

If things aren't going well at home my primary thought would be the kids come first. Retirement savings would be a secondary thought for me. I would work more years if I had to to sacrifice for my kids.

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