Search found 1990 matches

by pennstater2005
Wed Jan 18, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 27
Views: 1250

Re: Why does Vanguard requires medallion for MM IRA Transfer

I've transferred assets from my wife's Simple IRA at State Farm to her Vanguard account. I see the same Medallion signature are but have never completed it. Just her signature above it and mail it in. It's been accepted every time. The money goes from a State Farm MM fund to her Vanguard money mark...
by pennstater2005
Wed Jan 18, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 135
Views: 14023

Re: Best Financial Moves You've Made

Finding Bogleheads, dumping advisor, steady monthly investing, learning of 2 year rule to get wife's Simple IRA money out of lousy State Farm fund. I'm sure there's more.
by pennstater2005
Wed Jan 18, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 27
Views: 1250

Re: Why does Vanguard requires medallion for MM IRA Transfer

I've transferred assets from my wife's Simple IRA at State Farm to her Vanguard account. I see the same Medallion signature are but have never completed it. Just her signature above it and mail it in. It's been accepted every time. The money goes from a State Farm MM fund to her Vanguard money marke...
by pennstater2005
Mon Jan 16, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3276

Re: How High is Your TV?

One is slightly below eye level, the other sitting on a fireplace. Neither bothers my neck. I bought a wall mount for the fireplace tv but am too lazy to put it up.
by pennstater2005
Sat Jan 14, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1229

Re: Receipts

Anytime I can decline a receipt for food purchases or such I do. I always find old receipts in pant and coat pockets. Receipts for anything important go into a junk drawer and probably once a year, maybe less, I go through them and it's a PITA. And when I actually need a receipt for something it's n...
by pennstater2005
Sat Jan 14, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 20
Views: 3254

Re: Get $250 from Wells Fargo

Why anyone would want to do financial business with a company that is known to commit deliberate financial fraud is beyond me. We actually just moved our IRA assets from Wells Fargo (form when they took over another company caught in shenanigans called Strong Funds). I can understand buying their s...
by pennstater2005
Sat Jan 14, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 20
Views: 3254

Re: Get $250 from Wells Fargo

I got $150 from Wells Fargo with their new credit card. Spend 1k in 90 days. Applied as statement credit.
by pennstater2005
Fri Jan 13, 2017 9:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13122

Re: Sad News About a Respected Forum Member

You have been in my prayers Lee. You were always gracious, kind, and thoughtful in your responses. That is a trait not too common on anonymous internet forums. May God be with you and your loved ones as you continue on with your journey.

Eric
by pennstater2005
Sun Jan 08, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 3962

Re: No Vanguard Customer Support on weekends

^
I wrote a simple thing and you responded with a lengthy something I got bored reading.
by pennstater2005
Sun Jan 08, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 3962

Re: No Vanguard Customer Support on weekends

I bet the employees love the weekends off. Good for morale. I like my weekends off. I don't invest with Vanguard because they have good employee morale. Its clear this is a cost-cutting move, and has little to do with creating a "high-performing, highly engaged workforce." The upward mobi...
by pennstater2005
Sun Jan 08, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 3962

Re: No Vanguard Customer Support on weekends

I bet the employees love the weekends off. Good for morale. I like my weekends off.
by pennstater2005
Sun Jan 08, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2428

Re: Tell me all about snowblowers

Did you decide on a snowblower yet? Not yet, no. My brother just got a snowblower (not sure which one) and I want to check it out before deciding on one for myself (he lives in this area). And we got more snow today, so I was stuck indoors... except for having to do a bit more shoveling this aftern...
by pennstater2005
Sat Jan 07, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6526

Re: Laundry lifestyle creep

Your clothes will be just as clean with a homemade laundry detergent. I make my own and it lasts me a year for a couple bucks and a few minutes of work. https://www.diynatural.com/homemade-laundry-detergent-soap/ Add some vinegar for particularly soiled loads. My wife does this. She makes 5 gallons...
by pennstater2005
Sat Jan 07, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2428

Re: Tell me all about snowblowers

Just bought the Toro SnowMaster 824 QXE online from Home Depot. I used live chat to ask for a 10% discount, which I got. Couple that with a $150 statement credit I'll get from a Wells Fargo credit card I used (after $1k spend in 90 days) and 1.5% cash back (same card) I came down from, including tax...
by pennstater2005
Fri Jan 06, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2428

Re: Tell me all about snowblowers

Check out the Toro SnowMaster 724 QXE. It's a single stage with 2 stage technology per Toro. It has Toro's personal pace system to go forward and backward as well as power steering. It's way lighter than a two stage. The quick stick chute control is amazing for controlling the direction of the snow ...
by pennstater2005
Wed Dec 28, 2016 10:58 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7253

Re: How many of you invest 100% at Vanguard?

All investments are with Vanguard for wife and myself. Simple.

Although, I am finally getting a 401K at work which will make things a little more interesting.
by pennstater2005
Tue Dec 27, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12591

Re: I'll never save a 20% down payment. Rent for life?

We ended up with a 13% down payment. It wasn't planned it was just what we were able to save. Although we didn't have kids while we were saving and that made a difference. Plus, we were both working full time. I would've still bought the house even if we only had 5 or so percent saved. We also bough...
by pennstater2005
Sat Dec 24, 2016 7:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 6989

Re: My Christmas Gift to You.

And what a gift Taylor. I enjoy this particular post from you every year. The WWII generation was nothing short of amazing as are all of our men and women in the military. Merry Christmas!
by pennstater2005
Sat Dec 24, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

Everyone's experience must differ. One Wal Mart near us did not code as a grocer for the Sallie Mae card but another did. Although, unsurprising because the one that didn't was not a super Wal Mart.
by pennstater2005
Fri Dec 23, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

nalor511 wrote:Does trader Joe's code as grocery for BCP?


Browsing the "my fico" forums found an answer of yes although three years ago.
by pennstater2005
Fri Dec 23, 2016 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

Family of five here and shop mostly at Aldi. The BCP will be an excellent card for me as I'll use it for gas too. Easily spend $6000 on groceries.
by pennstater2005
Fri Dec 23, 2016 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

...I'm thinking after the SM card goes away, I'll just pick up a $100 Amazon gift card from time to time to fill up the other $800 of 6% cash back space. I probably spend twice that at Amazon per year.... Does Amex BCP offer 6% on amazon? I don't see anything like that on their webpage. They mentio...
by pennstater2005
Fri Dec 23, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

...I'm thinking after the SM card goes away, I'll just pick up a $100 Amazon gift card from time to time to fill up the other $800 of 6% cash back space. I probably spend twice that at Amazon per year.... Does Amex BCP offer 6% on amazon? I don't see anything like that on their webpage. They mentio...
by pennstater2005
Mon Dec 19, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

batpot wrote:
pennstater2005 wrote:Don't redeem your rewards too early toward the end and leave money behind. I did that with another card and ended up with $20 sitting in the redeem account. The new redemption percentages were too low and I just stopped using the card.


What's the minimum reward draw amount? $25?


Yes, $25.
by pennstater2005
Mon Dec 19, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 2961

Re: H2O Wireless to get 4G LTE in January 2015

^ Cricket tops out at 8mbps LTE. I get closer to 4 where I'm at. Hope you do better. Is the $27 all fees included? $27 is all fees/taxes included. I am up and running on H20. I will see how it goes for at least this month. Do you know how long the 3 GB of data promo lasts for? Or is it permanent? I...
by pennstater2005
Mon Dec 19, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bear Market allocation
Replies: 35
Views: 2339

Re: Bear Market allocation

Nothing doing here. Still invested at 80/20 in a Lifestrategy fund. I can't remember my IPS exactly. It was really short and I might have posted it here, or maybe on a Post-It note.
by pennstater2005
Mon Dec 19, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 4853

Re: Water Heater Install $1,800!

I used a 10% off coupon and got a Whirpoool 40 gallon tall water heater for $330. Six year warranty I believe. Installed it myself using Shark Bite connections. Zero soldering. $1800 blows my mind. I watched a video online to complete.
by pennstater2005
Mon Dec 19, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

mediahound wrote:
rhlhj wrote:Blue Cash Preferred seems to make sense for me if I supplement grocery bills with some gift card purchases.


Be aware that it is against the TOS and cash back does not apply to any 'cash equivalents'. So, YMMV doing that.


What is against the TOS?
by pennstater2005
Mon Dec 19, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

The benefits don't end until March 1st 2017. I'll use until the end then decide to cancel or not. It's one of my older cards. I didn't start using credit cards until just a few years back. I was always a debit card guy until I joined here. I'll probably keep it. Keep in mind you have to redeem unde...
by pennstater2005
Sun Dec 18, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 2961

Re: H2O Wireless to get 4G LTE in January 2015

^
Cricket tops out at 8mbps LTE. I get closer to 4 where I'm at. Hope you do better. Is the $27 all fees included?
by pennstater2005
Sat Dec 17, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7229

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

FWD with snow tires. When I first got these tires I went out during a heavy snow and up a pretty steep hill close to the house. Halfway up I started to think how dumb of an idea I had. It was unplowed and I almost got stuck.....almost :)
by pennstater2005
Sat Dec 17, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

The benefits don't end until March 1st 2017. I'll use until the end then decide to cancel or not. It's one of my older cards. I didn't start using credit cards until just a few years back. I was always a debit card guy until I joined here. I'll probably keep it.
by pennstater2005
Fri Dec 16, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 11
Views: 1471

Re: Ally 1 Day Transfer

So this is becoming standard now?
by pennstater2005
Fri Dec 16, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 11
Views: 1471

Ally 1 Day Transfer

Just received an email about faster bank transfers. Bout time. Email below. Ally Introducing availability of faster transfers We've updated our Deposit Agreement to reflect the availability of faster transfers, effective 1/7/17. We have summarized the changes below. For complete details, please revi...
by pennstater2005
Thu Dec 15, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13437

Re: How old is your vehicle?

Almost ten years old.
by pennstater2005
Thu Dec 15, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

Don't redeem your rewards too early toward the end and leave money behind. I did that with another card and ended up with $20 sitting in the redeem account. The new redemption percentages were too low and I just stopped using the card.
by pennstater2005
Thu Dec 15, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan with low interest, keep or pay off early?
Replies: 26
Views: 2338

Re: Student Loan with low interest, keep or pay off early?

My wife had student loan debt at 6.8% interest that we paid off quickly. The rest was 3% or less. I split the difference there, paying a little more toward the debt but continuing to invest. I haven't lost any sleep yet.
by pennstater2005
Wed Dec 14, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

^
I have the Discover card as well. I don't mess around with the rotating categories. Having to sign up to get a bonus every quarter....I'm out! I'll probably rotate between the Fidelity Visa for 2% everything and AMEX preferred for gas and groceries. Simple enough.
by pennstater2005
Wed Dec 14, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 109
Views: 9650

Re: Sallie Mae Rewards MC being discontinued

I have this card as does my wife. Neither of us have received this notice yet but I imagine it's coming. The AMEX preferred card will probably be our new card as well. I just received an upgrade offer from AMEX for a $150 credit for upgrading. This might be the push I needed.
by pennstater2005
Thu Dec 01, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3237

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: 246
Views: 27380

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: 4326

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: 5716

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: 2571

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: 3016

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: 1767

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: 6346

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: 3854

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: 3854

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!

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