Search found 1950 matches

by pennstater2005
Thu Dec 01, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 25
Views: 1917

Re: Buy iPhone 7 or Wait for iPhone 8

I have the 6s+. I upgrade exclusively for the camera. However, I'm realizing that while great for sunny days, camera phones aren't great for indoor duty. I'm taking the $900 and instead buying a mirrorless compact camera - sony rx100V I think - something bridging the iPhone and my great but clunky ...
by pennstater2005
Sun Nov 27, 2016 11:02 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20571

Re: What is your favorite consumer product?

I was just going to say Toilet Paper followed by food. People say the basic needs are food, clothing and shelter. I say it's toilet paper (with a place to flush it), food, clothing and shelter! Getting to the brand: for TP I use Scott 1000 because it is easier on my new, very expensive, septic syst...
by pennstater2005
Sun Nov 27, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 3916

Re: Roku 3 v. Apple TV v. ???

Streaming from iPad or iPhone to Apple TV is flawless with AirPlay. I use my iPhone as the remote now to control the Apple TV. The tiny remote that comes with it is constantly missing. The app on the phone works great as a remote. I would like to try the Roku again for the private channel selection ...
by pennstater2005
Fri Nov 25, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5182

Re: My Bonds Are Enraging Me

The Cincinnati Bengals are enraging me.
by pennstater2005
Thu Nov 17, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: In total how much have you earned in credit card rewards?
Replies: 32
Views: 2425

Re: In total how much have you earned in credit card rewards?

A few thousand dollars in about 3 years. That's a ballpark.
by pennstater2005
Tue Nov 08, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Bought my first individual stock!
Replies: 29
Views: 2906

Re: Bought my first individual stock!

CHS bought a few hospitals in my area. The quality of care has declined quite steeply as they laid off a significant amount of staff. I don't know how much of that is related to them being a for-profit hospital. There is one hospital they don't own and that is where we go for care now, if needed.
by pennstater2005
Sun Nov 06, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Lawncare tips
Replies: 15
Views: 1715

Re: Lawncare tips

Winter fertilizer is usually applied after top growth ceases. If you apply a fertilizer before that you'll force more growth. Also, some folks are against aeration unless your soil is extremely compacted. That is to say mechanical compaction from big trucks or equipment driving on your lawn. Aeratio...
by pennstater2005
Fri Nov 04, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 5362

Re: Why do people use banks?

My local credit union charged for checks, had a .25% savings rate, fees for using other ATMs, no mobile application, and a poorly designed website. Ally had the opposite of all that.
by pennstater2005
Thu Oct 27, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 3537

Re: Chocolate Recommendations

This article basically sums it up for me although in a more lengthy manner :D

http://www.theatlantic.com/entertainmen ... nd/505511/
by pennstater2005
Wed Oct 26, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 3537

Re: Chocolate Recommendations

I've tried liking dark chocolate but I can't. Milk chocolate only. I need the saturated fat....that's taste baby! For years I couldn't figure out why my dad's dippy eggs tasted so much better than mine. He cooked them in bacon grease!
by pennstater2005
Mon Oct 17, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2204

Re: Getting out of my baby work shower

I have three kids and no shower was thrown. Just some nice gifts left on my desk. My wife didn't want one either but got one anyway. She didn't complain. Just smiled and even ended up enjoying herself a little. I guess just be thankful folks care about you. That seems rare these days.
by pennstater2005
Sun Oct 16, 2016 7:42 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 7988

Re: Bogleheads is back!!!

I went outside. It was bright.
by pennstater2005
Fri Oct 07, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2016)
Replies: 9
Views: 1386

Re: madsinger monthly report (September 2016)

Thank you, as usual! Always look forward to your report. LS G still chugging along.
by pennstater2005
Tue Oct 04, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 4225

Re: First time negotiating for a car. Have questions

I'll just second those who say be ready to walk away. The salesperson will most likely try to pressure you into a buy even if it's done coyly. I've experienced this more than once. Don't get sucked in.
by pennstater2005
Thu Sep 29, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6059

Re: Where/how do Bogleheads get their tires inflated?

Free air at a couple local gas stations. Have a portable one that plugs into the cigarette thingy for in a pinch.
by pennstater2005
Thu Sep 29, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5009

Re: Has anyone been tempted to buy AMZN?

That's the beauty of not paying much attention to the markets. Overall, I know if they're up or down by catching it in the news occasionally but I have no idea what individual stocks are doing anymore. No temptation at all.
by pennstater2005
Mon Sep 26, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Anybody here make 70K or under
Replies: 30
Views: 5976

Re: Anybody here make 70K or under

I make a little over half that. And with my wife working part time we manage to save about 10% a year. Not where I would like to be but I have no worries about retirement. I've also got a job I enjoy quite a bit and a very manageable mortgage. Low stress :D And that's with three kids! Okay I'm a lit...
by pennstater2005
Mon Sep 26, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5832

Re: [500 million Yahoo accounts hacked, what should you do?]

I change my passwords quite a bit now mostly because I can never remember them.
by pennstater2005
Sun Sep 25, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1182

Re: Football on Over the Air Free channels

¿Qué canal de televisión está viendo Ud. cuando esto sucede? si está viendo la principal filial de la CBS o Fox y el comentario es en Espanol, la configuración del televisor esta usando "SAP".[/quote I guess you posted on wrong forum. Post on the forum where they can understand the langua...
by pennstater2005
Fri Sep 23, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5832

Re: Yahoo says hackers stole info in 500 million user accounts

SouthernCPA wrote:
pennstater2005 wrote:I only use my Yahoo account to play fantasy football.


The other guys in your league may get your login and change your lineup!


That might actually help me!
by pennstater2005
Thu Sep 22, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5832

Re: Yahoo says hackers stole info in 500 million user accounts

I only use my Yahoo account to play fantasy football.
by pennstater2005
Fri Sep 16, 2016 8:54 pm
Forum: Forum Issues and Administration
Topic: How can you remove a thread from "Your Posts?"
Replies: 10
Views: 1234

Re: How can you remove a thread from "Your Posts?"

The only thing that saved me from the monstrous "book thread" was that it got too big and Alex started a new one. I don't dare post again! Guess you just have to wait it out.
by pennstater2005
Thu Sep 15, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2678

Re: Will you delete the Stocks App from your iPhone?

Already did and about ten others. Great feature!
by pennstater2005
Wed Sep 14, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3206

Re: iOS 10 available today

Updated iPhone 5c today. No issues yet. Its taking me awhile to not swipe to unlock.
by pennstater2005
Wed Sep 14, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10543

Re: Favorite Coffee

Starbucks sumatra. Brewed at home only though. Too strong for my taste buds in store. Easy on my acid reflux as it's a low acidity coffee.
by pennstater2005
Sat Sep 10, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13480

Re: How much is your cell phone bill?

reriodan wrote:I get 1GB of data free through freedompop.


Is freedom pop on the Sprint network? Their coverage is garbage in my area.
by pennstater2005
Sat Sep 10, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13480

Re: How much is your cell phone bill?

Cricket's new $30 a month plan to compete with Google's Project Fi became available yesterday. So, now 2 lines each with unlimited talk/text/1GB data for $60. That seems expensive to me. Only 1GB of data for 30/month? Talk and text are basically free, the only expensive thing is data and I get 1GB ...
by pennstater2005
Sat Sep 10, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13480

Re: How much is your cell phone bill?

Cricket's new $30 a month plan to compete with Google's Project Fi became available yesterday. So, now 2 lines each with unlimited talk/text/1GB data for $60.
by pennstater2005
Sat Sep 10, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Your contribution to employee health care
Replies: 17
Views: 1586

Re: Your contribution to employee health care

$200 per month with a $1500 deductible. When I started there 10 years ago it was $75 a month with $0 deductible. This is employee only.
by pennstater2005
Sat Sep 10, 2016 6:55 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 8675

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Oh, oh the Wells Fargo wagon is a coming down the street oh please let it be for me!
by pennstater2005
Thu Sep 08, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 8675

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Have never banked with Wells Fargo and definitely never will now. Surprising, but not surprising.
by pennstater2005
Wed Sep 07, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 5767

Re: Should I upgrade my 6 year old plasma TV?

I finally replaced my 9 year old 42" Panasonic 720p plasma with the LG 55EG9100 OLED a couple months ago. "Only" 1080p, but at my viewing distance it doesn't matter as I'm barely seeing the benefit of 1080p. Adorama puts them on sale through eBay about once a month and I finally bit ...
by pennstater2005
Wed Sep 07, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13480

Re: How much is your cell phone bill?

$70 month for two lines unlimited talk/text and 2.5GB data for each line with Cricket. I am interested in Project Fi for my wife as she uses minimal data. Problem is she likes her iPhone (even though it's a 4s :shock: ).
by pennstater2005
Fri Sep 02, 2016 6:48 am
Forum: Investing - Theory, News & General
Topic: [Article: "Can Pennsylvania confiscate your IRA?"]
Replies: 23
Views: 2924

Re: Pennsylvania will liquidate abandoned retirement accounts after 3 years of inactivity

I'm a little confused by this. If I have a Roth IRA and don't contribute or withdrawal over the course of 3 years then the state would take it? That can't be right. Not even close... An account owner may indicate interest with “almost any” kind of activity, including accessing his account online, s...
by pennstater2005
Fri Sep 02, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: [Article: "Can Pennsylvania confiscate your IRA?"]
Replies: 23
Views: 2924

Re: Pennsylvania will liquidate abandoned retirement accounts after 3 years of inactivity

I did read the article. That's why I said "i'm a little confused by this".
by pennstater2005
Fri Sep 02, 2016 6:38 am
Forum: Investing - Theory, News & General
Topic: [Article: "Can Pennsylvania confiscate your IRA?"]
Replies: 23
Views: 2924

Re: Pennsylvania will liquidate abandoned retirement accounts after 3 years of inactivity

I'm a little confused by this. If I have a Roth IRA and don't contribute or withdrawal over the course of 3 years then the state would take it? That can't be right.
by pennstater2005
Wed Aug 31, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Elan Fidelity 2% card website after fraud alert
Replies: 5
Views: 523

Re: Elan Fidelity 2% card website after fraud alert

I log in through Fidelity as well, not Elan. No issues. Pay that way too.
by pennstater2005
Wed Aug 31, 2016 6:00 am
Forum: Investing - Theory, News & General
Topic: Happy 40th Birthday to "Bogle's Folly" AND THANK YOU, JACK!
Replies: 19
Views: 864

Re: Happy 40th Vanguard 500

munemaker wrote:Do you have a question?

Is this actionable?


Oh, come on. This probably just needs moved to the Bogleheads community sub forum. There are plenty of "happy birthday threads" around here.
by pennstater2005
Tue Aug 30, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off huge student loan vs Investing
Replies: 49
Views: 4918

Re: Pay off huge student loan vs Investing

^
Coiled Snake hasn't been active on this site for over a year and a half.
by pennstater2005
Mon Aug 29, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 40
Views: 5135

Re: RBD fans, Dan Wiener has news! [Really Bad Day]

Maybe livesoft is Dan Wiener. Or vice versa. :shock:
by pennstater2005
Thu Aug 25, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 894
Views: 101230

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: 894
Views: 101230

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: 99
Views: 8388

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: 2472

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: 28
Views: 3457

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: 6356

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: 4019

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...

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