Search found 2437 matches

by pennstater2005
Sun May 10, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 13868

Re: Scams that make me laugh -- what are you favorites?

Anything Kevin Trudeau was ever advertising. My Dad had something like 10 boxes of coral calcium. Cured colon cancer.
by pennstater2005
Tue May 05, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: Build Browne Permanent Portfolio at M1; leverage it and hold the cash in a reward checking account.
Replies: 33
Views: 2355

Re: Build Browne Permanent Portfolio at M1; leverage it and hold the cash in a reward checking account.

I believe from Harry Browne's book "Fail safe investing" cash was assumed to be short term US treasuries.
by pennstater2005
Tue May 05, 2020 11:40 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11167

Re: Poor Publix employee seeking 401k investment advice

ralphboy wrote:
Tue May 05, 2020 10:10 am
There's a fidelity by me that is open. Maybe I should just go to them? Schwab is still temporarily closed.
If I wasn’t using Vanguard, Fidelity would be one of my next choices. Good luck.
by pennstater2005
Fri Mar 20, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 144
Views: 10777

Re: How much cash to have during coronavirus panic?

No cash. Unless you count my kids piggy banks. There might be like $50 in there altogether. I could sell some of my toilet paper as well.
by pennstater2005
Tue Mar 17, 2020 6:52 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50459

Re: How Is Your Job Being Impacted By The Current Crisis?

Physical Therapy. Outpatient clinic. We see mostly elective surgeries. Elective surgeries are about to be put on hold at all hospitals near me. Hasn't affected me yet but our census will drop soon unless something changes.
by pennstater2005
Mon Mar 09, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 295
Views: 25670

Re: Who here is buying stocks today and how much?

Had a bit of extra cash aside from automatic monthly withdrawals so bought $500 of VASGX. Did the same thing one day last week. I like buying stuff on sale.
by pennstater2005
Thu Oct 31, 2019 1:13 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 229
Views: 30231

Re: I’m done with index funds

There is sort of a perverse logic here, that you win by losing. I think of "The Producers", one of my favorite movies of all time. A play within a movie where two conmen get investors to oversubscribe investing in a play, in other words they sold interest in the play several times over. The only wa...
by pennstater2005
Wed Oct 16, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if you can re apply for Discover IT card to get bonus again? I want to do it for the $75 Amazon credit. I've had it and canceled it. Surely there are other cards you can apply for that give you more than a $75 payback ? Really not even $75, more like $30 if you already have an Amaz...
by pennstater2005
Wed Oct 16, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if you can re apply for Discover IT card to get bonus again? I want to do it for the $75 Amazon credit. I've had it and canceled it. Surely there are other cards you can apply for that give you more than a $75 payback ? Really not even $75, more like $30 if you already have an Amaz...
by pennstater2005
Sat Oct 12, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if you can re apply for Discover IT card to get bonus again? I want to do it for the $75 Amazon credit. I've had it and canceled it.
by pennstater2005
Thu Sep 05, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 4011

Re: Career change at 36- Finance to Nursing/PA?

Nursing doesn’t necessarily mean full time hospital either. You could be a nurse for an orthopedic surgeon who is at the hospital for surgery a few days a week and then back at the office for follow up and new patient visits. There are many different avenues in nursing.
by pennstater2005
Sat Aug 31, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6824

Re: What, besides dishes, do you run through your dishwasher?

My hat and shoes. My kids think I’m weird. Sometimes the kids are right. :D What kind of shoes are you washing? I thought that heat was a shoe killer, so I'm curious if your approach works. I'm not willing to try it myself, but am curious... It works good. Top rack only. Cleans them really well wit...
by pennstater2005
Fri Aug 30, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6824

Re: What, besides dishes, do you run through your dishwasher?

My hat and shoes. My kids think I’m weird.
by pennstater2005
Wed Aug 28, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Anyone here on Verizon Prepaid? Deprioritization?
Replies: 23
Views: 2374

Re: Anyone here on Verizon Prepaid? Deprioritization?

I’ve been on Visible (owned by Verizon) for a month. Unlimited talk, text, and data (uncapped speed and unlimited) for $40 all in. The uncapped and unlimited data is a promotion so don’t know how long it will last. It’s all done through an app. Coverage is good and speeds are fast though that depend...
by pennstater2005
Tue Apr 16, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11921

Re: seriously thinking about leaving S. CA but where to?

Travel a lot and each time return to southern California. Stay gone for long periods of time. Or not. You're retired!!!
by pennstater2005
Wed Mar 13, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 83
Views: 8643

Re: Lawn care schedule

Beach wrote:
Tue Mar 12, 2019 1:49 pm
http://www.thelawnforum.com

TONS of info here
Yep!
by pennstater2005
Sun Jan 27, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 5404

Re: What was your first Vanguard fund or ETF?

Target Date funds eventually settling into a Lifestrategy fund where I've been now for a few years.
by pennstater2005
Sat Jan 26, 2019 5:20 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 77
Views: 6228

Re: Happy Birthday, Taylor!

Happy Birthday Taylor :sharebeer
by pennstater2005
Thu Jan 17, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60201

Re: John Bogle has died at age 89

Jack made a huge difference in the way I viewed investing. I always thought it was for the professionals but Jack simplified it somehow and made it seem doable.

God bless you Jack and condolences to your loved ones.
by pennstater2005
Tue Oct 16, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207277

Re: [What TV Show Have You Recently Watched?]

Letterkenny on Hulu.
by pennstater2005
Thu Oct 11, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7385

Re: Anyone done a Hair Transplant?

LadyGeek wrote:
Thu Oct 11, 2018 3:24 pm
How about the obligatory "Please stay on-topic"? :wink:
Fair enough :sharebeer
by pennstater2005
Thu Oct 11, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7385

Re: Anyone done a Hair Transplant?

TheRightKost87 wrote:
Thu Oct 11, 2018 3:16 pm
pennstater2005 wrote:
Thu Oct 11, 2018 2:54 pm
Why is anyone surprised by good natured but off topic responses? That is Bogleheads.
I was surprised we didn't get the obligatory "Not enough information" posts.
It’s not too late :D
by pennstater2005
Thu Oct 11, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7385

Re: Anyone done a Hair Transplant?

Why is anyone surprised by good natured but off topic responses? That is Bogleheads.
by pennstater2005
Thu Oct 11, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7385

Re: Anyone done a Hair Transplant?

TxAg wrote:
Thu Oct 11, 2018 12:06 pm
pennstater2005 wrote:
Thu Oct 11, 2018 10:12 am
I had someone tell me once “you look a little thin on top” I replied “you look a little thick in the middle”. He never mentioned it again. Feel free to use that :D
Haha I like that
Just make sure to say it with a smile.....works better that way!
by pennstater2005
Thu Oct 11, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 6311

Re: Keep a backup hot water heater?

This was a good reminder to drain my tank and check the anode. Thanks!
by pennstater2005
Thu Oct 11, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7385

Re: Anyone done a Hair Transplant?

I had someone tell me once “you look a little thin on top” I replied “you look a little thick in the middle”. He never mentioned it again. Feel free to use that :D
by pennstater2005
Wed Oct 10, 2018 7:32 pm
Forum: Personal Investments
Topic: What did you buy today
Replies: 119
Views: 10067

Re: What did you buy today

Grt2bOutdoors wrote:
Wed Oct 10, 2018 7:30 pm
A cup of coffee.
Me too! What are the odds?!!
by pennstater2005
Wed Oct 10, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8993

Re: Black Friday is coming.. what's on your list?

new iPhone for wife, I could keep mine unless I get a really good offer. Could get a 4K TV if it is a good deal as well, but not waiting in lines to save a few hundred $$$ on a crappy old model TV. Or a derivative TV which might be worse.... Old article but hits the right points: https://www.google...
by pennstater2005
Sat Jul 21, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

5. Tried for my wife same message. I've never had that with AMEX before. They started with this new feature about a month ago; see my earlier post a few days ago with a link to FT. Not a big surprise, IMO. Only surprise is that it took them so long to put a brake on churning. Just saw that post abo...
by pennstater2005
Sat Jul 21, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

I've never had that with AMEX before. Maybe that has to do with AMEX's earnings woes, which the company has been blaming on rising rewards costs for their cards. Here's the latest installment of that saga, from just two days ago: https://www.reuters.com/article/us-american-express-results/amex-rewa...
by pennstater2005
Fri Jul 20, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Think my credit card gaming is going to get tough. Got this prompt from American Express.... http://i66.tinypic.com/24mdy55.png At least they didn't have me submit it first knowing they wouldn't give me the bonus! This also happened with Capital One. Excellent credit but they're seeing all those op...
by pennstater2005
Thu Jul 19, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Got the 30 day message from Chase. Called the status line the next day and got the 7-10 day message. I'm not hopeful :annoyed Although I've had that happen before only to get a letter asking for further identity verification.
by pennstater2005
Tue Jul 17, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Think my credit card gaming is going to get tough. Got this prompt from American Express.... http://i66.tinypic.com/24mdy55.png At least they didn't have me submit it first knowing they wouldn't give me the bonus! This also happened with Capital One. Excellent credit but they're seeing all those ope...
by pennstater2005
Mon May 28, 2018 6:07 pm
Forum: US Chapters
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 3583

Re: MEMORIAL DAY 2018

Thank you Taylor and to all those who gave their lives for our freedom.
by pennstater2005
Sat May 26, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 3163

Re: Free to freeze and unfreeze your credit report

Just saw this. Makes jumping back into the credit card game much easier.

Removals were free in PA. Temporary lifts were $10 although only Experian charged for that.
by pennstater2005
Sat May 26, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897051

Re: What's Your Credit Card Rewards Strategy?

Finally got back into the game. Citi AA Advantage Card. 60k points for 3k spend. I'm doing it to get Home Depot gift cards to get this bad boy.

Imaget

Then bank to the Fidelity and AMEX combo.
by pennstater2005
Tue May 22, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 28962

Re: Do people still use AAA?

Safeco. It's like $10 a year per car. Needed a tow when my Accord died in my driveway. Tow truck was there in under an hour. Was a AAA member a few years back. Now they harass me with constant mailers trying to get me back. I stuff the return envelope with everything I can fit that they sent me. My ...
by pennstater2005
Thu May 10, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 5059

Re: Do I need to unfreeze my credit before applying for a new card?

On a related note, it seems that Equifax and Transunion I can unlock for free, but Experian has a fee (at least here in CT). Is that your experience as well? I can't recall if I paid to lock it, but if I have to pay to unlock it (temporarily to get credit) and then pay to lock it again...that's of ...
by pennstater2005
Thu May 03, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 5314

Re: Not Wasting Food

I go in with a list on my phone. I rarely deviate from the list. Fruits and vegetables almost always get eaten. I can't say we don't throw away some food but I try to keep it minimal. I have 3 kids ages 6 and under. Food gets wasted occasionally. We try to give them small portions to start with and ...
by pennstater2005
Sat Apr 28, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 2394

Re: Bee in the house - what to do???

whodidntante wrote:
Sat Apr 28, 2018 9:10 am
Sometimes hippies will come to extract honey bees.
What?! You mean like these guys?

Image
by pennstater2005
Sat Apr 28, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 15157

Re: Amazon to raise Prime membership in US to $119 from $99

I'm an add on member for the shipping only benefits. I don't buy nearly as much as I used to from Amazon. I don't know why. I think I'm just spending less. And there's so many third party options to buy from now who offer free shipping albeit slower most of the time. But as some have said above Prim...
by pennstater2005
Sat Apr 28, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 2394

Re: Bee in the house - what to do???

We had the occasional wasp in the house late last summer. Didn't think much of it. Then my son woke up crying and had been stung 3 times! Found a paper wasp nest in the attic. Hope it was just a single bee. I would shake out each piece of clothing you wear just in case. Imagine if you felt it crawli...
by pennstater2005
Sat Apr 21, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 21382

Re: Do you buy new or used cars?

As with all threads like these it is so very subjective...... I was looking at new 2018 Toyota Camry LE's which were $24k. I looked for a used one and found a mid 2015 Camry LE with 30,000 miles for 13K. I just couldn't stomach paying 11K more for something only 2.5 years newer. I know it's because ...
by pennstater2005
Sun Apr 08, 2018 8:17 pm
Forum: US Chapters
Topic: Too much Bogleheads.org?
Replies: 96
Views: 24730

Re: Too much Bogleheads.org?

GoldenFinch wrote:
Sun Apr 08, 2018 8:13 pm
pennstater2005 wrote:
Sun Apr 08, 2018 7:56 pm
For myself eventually the original excitement wore off. I figured it out and now it's mostly boring.

After 2,438 posts! :beer
That many? :oops:
by pennstater2005
Sun Apr 08, 2018 7:56 pm
Forum: US Chapters
Topic: Too much Bogleheads.org?
Replies: 96
Views: 24730

Re: Too much Bogleheads.org?

For myself eventually the original excitement wore off. I figured it out and now it's mostly boring.
by pennstater2005
Sat Mar 31, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 94
Views: 17321

Re: What’s the magic savings rate???

goingup wrote:
Fri Mar 30, 2018 11:56 am
I read this here years ago and think it is probably true:

*Save 10% and you'll do fine
*Save 20% and you'll thrive
*Save 30% and you'll be wealthy
I like that.
by pennstater2005
Sat Mar 31, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207277

Re: Netflix, Your Current Favorite Show

I just finished Season 2 of Better Call Saul , which is the latest available on Netflix. A quick google search suggests that Season 3 will show up on Netflix a few weeks before Season 4 is released on AMC. Hopefully, that will occur around the end of March. ... Season 3 of Better Call Saul showed u...
by pennstater2005
Wed Mar 28, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207277

Re: Hulu, Your Current Favorite Show

Has anyone here tried HBO Now? Seems like they have a fair amount of decent shows. I’m getting bored of both Netflix and Hulu.
by pennstater2005
Tue Mar 27, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207277

Re: Hulu, Your Current Favorite Show

I got through 5 minutes of Horace and Pete. The first episode was over an hour :shock: I’m going to start The Looming Towers tonight.