Search found 2408 matches

by pennstater2005
Sat Jul 21, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 540223

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: 2721
Views: 540223

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: 2721
Views: 540223

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: 2721
Views: 540223

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: 2721
Views: 540223

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: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2754

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: Free to freeze and unfreeze your credit report
Replies: 13
Views: 2221

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: 2721
Views: 540223

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: 24684

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: 3565

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: 3921

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: 1621

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: 11781

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: 1621

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: 113
Views: 8468

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: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14014

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: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14014

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: 61
Views: 9992

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: 768
Views: 82448

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: 768
Views: 82448

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: 768
Views: 82448

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.
by pennstater2005
Sun Mar 25, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 768
Views: 82448

Re: Hulu, Your Current Favorite Show

Getting ready to start Horace and Pete. Have "The Son" starring Pierce Brosnan marked in my stuff for later.
by pennstater2005
Sun Mar 25, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 8451

Re: What Budget? Do you keep one?

This thread pushed me to finally download Mint. I've got all accounts linked to it and budget limits set for various spending categories. It will be interesting to see what I get out of this after a few months. I was able to link my fuel, sewage, gas, and phone bills as well. I had it once before bu...
by pennstater2005
Sun Mar 25, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25673

Re: Anyone Deleting Facebook?

Iliketoridemybike wrote:
Sat Mar 24, 2018 9:32 pm
munemaker wrote:
Thu Mar 22, 2018 1:26 pm
Never used it. I have no interest in reading and posting a bunch of crap on the internet.
Um....
:D
by pennstater2005
Fri Mar 23, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 8451

Re: What Budget? Do you keep one?

Mental budgeting. I could stand to do better.
by pennstater2005
Thu Mar 22, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25673

Re: Anyone Deleting Facebook?

I use it to keep track of my children and grandchildren's activities and photos. I deleted mine because I wasn't using it but lots of people will stay on for the reason Munir listed. For some families it's an easy way to stay connected, especially if you live far apart or don't get to see each othe...
by pennstater2005
Sat Mar 17, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 768
Views: 82448

Re: Netflix, Your Current Favorite Show

I hate to admit it but think Man Down is funny. It is undoubtedly not for everyone because it is quite silly and sophomoric, however the characters are funny especially the star Greg Davies. I have only watched three episodes so it might become old but so far it has provided me with some big laughs...
by pennstater2005
Fri Mar 16, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question on credit limit increases
Replies: 16
Views: 1336

Re: Question on credit limit increases

I requested an increase online for my AMEX BCP and Fidelity 2% cards. AMEX approved it immediately without checking credit. Fidelity sent me a letter stating they could not unless I unfroze my credit.
by pennstater2005
Sun Mar 11, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 7006

Re: Finally Cutting the Cord - YouTube TV

Waiting for it to come to my area. I'm hoping they have a deal on a Roku if you pre pay for a month or two. I've gotten two Roku's that way using Sling TV and DirectTV now.
by pennstater2005
Sun Mar 11, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 768
Views: 82448

Re: Netflix, Your Current Favorite Show

Capsu78 wrote:
Sun Mar 11, 2018 2:42 pm
pennstater2005 wrote:
Sun Feb 25, 2018 9:27 pm
Un-paused my membership to watch Halt and Catch Fire season 4.
Thanks for sharing- just started watching and it's very good so far.
You're welcome :beer Just watched the series finale last night. It's a great show!
by pennstater2005
Fri Mar 09, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 768
Views: 82448

Re: Netflix, Your Current Favorite Show

Un-paused my membership to watch Halt and Catch Fire season 4. A kindred spirit! I caught the first season when it aired but then got busy with life and missed the next three so I've been going through it again. Currently halfway through season 3! A seriously underrated show IMO. I'm a software dev...
by pennstater2005
Wed Mar 07, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 11527

Re: Ok fellow bogleheads, was the correction scary or nothing?

It was something. Just not scary. Sort of expected, maybe?
by pennstater2005
Wed Mar 07, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 768
Views: 82448

Re: Hulu, Your Current Favorite Show

Any comments on The Looming Towers. Thinking of starting it since I finished The Wrong Mans. I haven’t gotten started yet on The Looming Towers. But it looks good. The Path also looks good. I actually just paused my Hulu subscription for one month and went back to Netflix for a month to catch up on...
by pennstater2005
Mon Mar 05, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4075

Re: Etiquette of hanging up on live telemarketers

If I don’t recognize the number I don’t answer it. Then I immediately put it on the block list in my iPhone.

Hanging up seems to be about the best option.
by pennstater2005
Mon Mar 05, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2433

Re: Bathroom remodel decision

This is what I’m considering for my future bathroom remodel to save space. http://i68.tinypic.com/119qtqw.png But doesn't that only save floorspace? My cousin has all the toilets wall mounted (commercial style) in his home. The only benefit I see is it is easier to clean. I believe the install is m...
by pennstater2005
Mon Mar 05, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2433

Re: Bathroom remodel decision

This is what I’m considering for my future bathroom remodel to save space.

Image
by pennstater2005
Sun Mar 04, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5673

Re: What is your investment strength?

Understanding risk and return are highly correlated and where my risk tolerance lies.
by pennstater2005
Sun Mar 04, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2433

Re: Bathroom remodel decision

Yooper16 wrote:
Sun Mar 04, 2018 10:09 am
I'd rather shower with someone than stand next to them while we brush our teeth in separate sinks.
:P
by pennstater2005
Sat Mar 03, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6397

Re: What will you do with your tax refund?

Savings account. I'm one of the "bad" ones here that gets a refund on purpose. I use it as a forced way of savings for things such as new roof, bathroom remodel, amongst other things. I just don't trust myself to save that money for exactly those purposes. This way it comes all at once at the end o...
by pennstater2005
Sat Mar 03, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6397

Re: What will you do with your tax refund?

Savings account. I'm one of the "bad" ones here that gets a refund on purpose. I use it as a forced way of savings for things such as new roof, bathroom remodel, amongst other things. I just don't trust myself to save that money for exactly those purposes. This way it comes all at once at the end of...
by pennstater2005
Fri Mar 02, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 26191

Re: Where to buy a Vanguard hat? An Update and good news

I sent a private message from their Facebook page and I have a new Vanguard coffee mug on the way! They responded in less than a day. I don't know how many they have left but all I did was leave my name and address through the PM. Here's the mug: http://i63.tinypic.com/abp89t.jpg And here's the FB ...
by pennstater2005
Fri Mar 02, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 47
Views: 6544

Re: What bed did you get your toddler and how long did you use it?

Regarding toilet training, we got my four year old a nice memory foam mattress and she is not fully potty trained yet. Still has a pull up on a night. But, they make waterproof mattress covers for exactly this purpose. And they work. We have one on our bed because the kids occasionally sleep with us...
by pennstater2005
Thu Mar 01, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 47
Views: 6544

Re: What bed did you get your toddler and how long did you use it?

Twin platform frames and memory foam mattress from Amazon. The kids love them and if I have to spend sometime up there in the middle of the night they're more than tolerable.

My kids that are using the mattresses are six and four. I'll upgrade them down the road when needed.
by pennstater2005
Wed Feb 28, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 19984

Re: What was your % pay raise?

A year after my original post in this thread I finally received a raise. It had been five years since my last so I was hoping it would be a good one. It was. 10%. And we have a new director who will be giving performance reviews so I may get another small one this year.
by pennstater2005
Wed Feb 28, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 26191

Re: Where to buy a Vanguard hat? An Update and good news

It's not free. We all pay for them. :D Sorry about that :P Considering the above comments, it would be nice if Vanguard gave each of its Flagship clients one of these small items as a gift every year or so. I don't know what that would cost, but if Vanguard is giving away coffee mugs to random peop...
by pennstater2005
Wed Feb 28, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 26191

Re: Where to buy a Vanguard hat? An Update and good news

tj wrote:
Wed Feb 28, 2018 11:08 am
It's not free. We all pay for them. :D
Sorry about that :P
by pennstater2005
Wed Feb 28, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5564

Re: Dealership oil change worth it?

I don't have the time to do it myself so that is not an option. I can change the oil and filter in less than 30 minutes at home, and I know I replaced the crush washer, torqued the drain bolt correctly, and added the right amount of oil. There is no place I can go for an oil change and reliably be ...
by pennstater2005
Tue Feb 27, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 26191

Re: Where to buy a Vanguard hat? An Update and good news

Mug came. It's damn nice for being free!

Image

Sitting with the new pour over stuff.
by pennstater2005
Tue Feb 27, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5564

Re: Dealership oil change worth it?

Our local Honda dealer generally has coupons available for $19.99 dollar oil change. When that comes around I take advantage of it. You just have to be ready to turn down about $600 worth of stuff they found wrong :D

Check their website for deals.
by pennstater2005
Tue Feb 27, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40087

Re: What UN-frugal thing do you do?

billy269 wrote:
Tue Feb 27, 2018 1:07 am
I splurge on name brand Q-tips. The off-brand ones just don't feel the same in my ear canals.
So true! Less cotton or something on the end. Nothing like poking the side of your brain with hard plastic when you're not expecting it!