Search found 2337 matches

by pennstater2005
Thu Feb 22, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 40
Views: 2214

Re: Boglehead Flashlight?

I got this one for a birthday present about 6 or 7 years ago. It just works. Same batteries of course I only use it occasionally.



Image



It is the Lux-Pro 320 Lumen LED. I think it came from Lowes.
by pennstater2005
Thu Feb 22, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 143
Views: 6443

Re: What UN-frugal thing do you do?

I’m looking at manual burr grinder and a pour over thingy for better coffee. My Bunn does alright but I want the next level now :beer Do it, you will not be disappointed. I did it. About $80 for a scale, pour-over big enough for two and then some, and a manual burr grinder. Can't wait to get it! On...
by pennstater2005
Thu Feb 22, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 143
Views: 6443

Re: What UN-frugal thing do you do?

I’m looking at manual burr grinder and a pour over thingy for better coffee. My Bunn does alright but I want the next level now :beer Do it, you will not be disappointed. I did it. About $80 for a scale, pour-over big enough for two and then some, and a manual burr grinder. Can't wait to get it!
by pennstater2005
Thu Feb 22, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 54
Views: 4198

Re: Safe to file taxes now?

thangngo wrote:
Thu Feb 22, 2018 11:01 am
foamypirate wrote:
Wed Feb 21, 2018 2:18 pm
Filed mine last Monday (12th) and had my refund by Thursday night (15th). :beer
Is it right? I've never seen a refund processed in 3 days. It's typically 21 days.
Mine only took a week from date of submitting.
by pennstater2005
Thu Feb 22, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 143
Views: 6443

Re: What UN-frugal thing do you do?

I’m looking at manual burr grinder and a pour over thingy for better coffee. My Bunn does alright but I want the next level now :beer
by pennstater2005
Thu Feb 22, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 54
Views: 4198

Re: Safe to file taxes now?

Refund came today. Slight delay due to child tax credits and EIC.
by pennstater2005
Wed Feb 21, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 143
Views: 6443

Re: What UN-frugal thing do you do?

livesoft wrote:
Wed Feb 21, 2018 8:49 am
Charitable contributions.

I also run the dishwashwer whenever I feel like it ... even if it only has a few dishes in it.
Only a few dishes!!! You’re crazy :D Do you start your campfires with $100 bills? I know I do.
by pennstater2005
Tue Feb 20, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

I have a roth IRA. Remember the max is actually $5500 for the IRA so you could put in the additional $500 if you haven't already filed your taxes. If he's eligible he can put the extra $500 into a Roth IRA whether or not he's file his taxes. There would be no tax paper work since a Roth contributio...
by pennstater2005
Tue Feb 20, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

I'm frustrated because everyone is saying THIS WEEK is the week to invest, do itttt!!! But I don't want to rush into anything and at the same time I do! Don't rush. You'll regret it. The market will be up, the market will be down. Take your time, if you are going to do this on your own, to learn ab...
by pennstater2005
Tue Feb 20, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

See Penn, I did read that, and the lingo is what gets me. But now I also agree that a lifestragegy or target is (due to the bonds), isn't most ideal. I am not sure what will make me feel ready. Honestly, speaking to you all here is AMAZING compared to just reading on my own. Just to be clear, would...
by pennstater2005
Tue Feb 20, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

I didn't know a solo 401k existed so no. Nor do I have a SEP Ira. I have a roth IRA. My business has been so small and I just take in cash. The cash I have is just a savings I had built up. Just think of me as an independent dog walker kind of person. Okay, got it. Remember the max is actually $550...
by pennstater2005
Tue Feb 20, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

ASplitSecond wrote:
Tue Feb 20, 2018 10:31 pm
I do work for myself and have already maxed it out.
Do you have a Solo 401k, SEP IRA? Just curious. And what are you invested in?
by pennstater2005
Tue Feb 20, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

This is great. I however, do not have the ability to put it into a 401k because I don't work for a company. :( I have an IRA that I have already put in the 5k for this year. Would I put the whole 50k into the LifeStrategy Target date retirement split 50/50? Are you self employed? The max currently ...
by pennstater2005
Tue Feb 20, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Thank you. I went through the Getting Started portion and understand the basics for sure. I went through the 129 mutual fund list on the site and just really don't know how to pick one exactly. I took the questionnaire on the site and it recommended the "whole market in one portfolio" but I'm not s...
by pennstater2005
Tue Feb 20, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 50
Views: 4783

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Life Strategy or target date retirement fund and forget about it. Agreed. Any idea what stock/bond ratio? Vanguard Lifestrategy Growth would give you 80% stocks and 20% bonds and it rebalances automatically. Also agree with Pajamas advice to start with some reading so you have a better understandin...
by pennstater2005
Tue Feb 20, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 15
Views: 1507

Re: Vanguard Golf Balls

Phew! I was worried there.
by pennstater2005
Tue Feb 20, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 54
Views: 4198

Re: Safe to file taxes now?

It's more risky to wait. Which is why I file as early as possible. I don't want to find out that someone ever so kindly filed for me :D I typically file mid-February as everything is generally in. I've had a few things show up late but they were already accounted for as I could access them online. ...
by pennstater2005
Sun Feb 18, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9088

Re: Do you wear a wedding band? [at a job interview]

I currently am employed but if I was looking for a job I would wear my wedding band the interview. Not sure why I wouldn't.
by pennstater2005
Sun Feb 18, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9088

Re: Do you wear a wedding band?

I know someone who has a few of the cheap silicone wedding bands that he bought off of Amazon. They're nice looking.
by pennstater2005
Sun Feb 18, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9088

Re: Do you wear a wedding band?

Yes. I initially hated the thought of wearing a ring. I never wore any type of jewelry. However, I decided to buy a size larger and so it never feels stuck on my finger. I can always just slide it right if it's freaking me out :D
by pennstater2005
Sun Feb 18, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 21
Views: 1412

Re: Hulu, Your Current Favorite Show

Just started a Hulu original called "The Wrong Mans". (yes, mans) James Corden is actually in it. A city council worker is walking to work in the snow. A car swerves around him and wrecks. After the scene is cleared he hears a phone ringing and picks it up. It's a man saying he has until five o'cloc...
by pennstater2005
Fri Feb 16, 2018 2:36 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11136

Re: Did you learn anything from the market correction?

I learned I'm really good at ignoring all stock tickers and people.

I knew it was happening I was just hoping that not everyone and their brother would feel the need to tell me.

They did.
by pennstater2005
Thu Feb 15, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 871

Re: Used car - warranty or no?

Those warrranties are cheap either. I just purchased a 2015 Toyota Camry with 32,000 miles. They attempted to sell me the extended warranty and I politely turned it down. He did ask why and I mentioned that this car shouldn’t have any problems through the three years that warranty would give me. He ...
by pennstater2005
Thu Feb 15, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6579

Re: PSA: Bank of America now charges $12/month for checking

You don't need to go inside a bank to use a bank. I thought so too but Vanguard sometimes requires medallion signature and getting this free service from the bank is very handy. Online medallion signature guarantees now. https://www.hellosign.com/blog/esignatureguarantee-upgrading-securities-indust...
by pennstater2005
Wed Feb 14, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 19
Views: 1550

Re: madsinger monthly report (January 2018)

I think the charts look fine. A little scrolling is no big deal.

And plenty of folks look at your charts each month as well as look forward to them.... myself included.
by pennstater2005
Wed Feb 14, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 21031

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 p...
by pennstater2005
Wed Feb 14, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6579

Re: PSA: Bank of America now charges $12/month for checking

My kids have never seen the inside of a bank. I intend to keep it that way. If we need cookies, coffee, or lollipops....I’ll go buy them. I know folks have different banking needs but I can’t see banks being around in the same fashion as they are now in say 20 years.
by pennstater2005
Tue Feb 13, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9522

Re: What big item (>20k) are you saving up for?

Roof, bathroom remodel.
by pennstater2005
Tue Feb 13, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1787

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

I have plaster in my house. Stud finders don’t find squat. Lots of false readings. It’s now a toy for my kids :D
by pennstater2005
Mon Feb 12, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4115

Re: How does one emotionally keep it together during market swings?

I’m in the accumulation phase. That’s easy cause I rarely look.
by pennstater2005
Mon Feb 12, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1787

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

Reviews on Amazon are very bimodal. Either gushing or negative. That can be a sign of fake reviews. If I was going to purchase it I'd be sure I could return it. Note that it's not sold by Amazon, only fulfilled by Amazon. Also check out the comments on this review: https://www.askthebuilder.com/wal...
by pennstater2005
Fri Feb 09, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8145

Re: Ally online savings now at 1.45%

Candor wrote:
Fri Feb 09, 2018 10:40 pm
It's kind of interesting that I always hear about increases here before Ally gets around to letting me know.
I usually see it here first as well. Go figure.
by pennstater2005
Fri Feb 09, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13188

Re: "The stock market is officially in a correction... here's what usually happens next"

Folks around me are talking about the stock market decline and “what to do”. I don’t say a word anymore.

I do always think about that Bogle quote that Taylor posted.
by pennstater2005
Fri Feb 09, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8145

Re: Ally online savings now at 1.45%

Usually if you call them they will transfer your current account to the new higher rate. At least they did that for me at CIT bank. It was super easy. No paperwork, just a phone call. https://www.bankoncit.com/ Which has a 1.55 savings account I am always reluctant to trust these "up and coming" on...
by pennstater2005
Fri Feb 09, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8145

Re: Ally online savings now at 1.45%

Usually if you call them they will transfer your current account to the new higher rate. At least they did that for me at CIT bank. It was super easy. No paperwork, just a phone call. https://www.bankoncit.com/ Which has a 1.55 savings account I am always reluctant to trust these "up and coming" on...
by pennstater2005
Fri Feb 09, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8145

Re: Ally online savings now at 1.45%

They continue (as always) to be a small step behind all the other high yield accounts. Both Synchtony and gsbank (and Barclays) are already at 1.5%. Good point but it’s never enough at other financial institutions to make me even thinking about switching. To change all that info for paying bills an...
by pennstater2005
Tue Feb 06, 2018 3:40 pm
Forum: Forum Issues and Administration
Topic: we need an individual stock sub forum
Replies: 31
Views: 1277

Re: we need an individual stock sub forum

I’m sure the moderators would love to add a sub forum. It’s been slow around here lately so it would give them something to do.
by pennstater2005
Sun Feb 04, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Jeans without strong chemical odor
Replies: 36
Views: 1872

Re: Jeans without strong chemical odor

American Eagle for years now. No smell when new. Of course I only have the one pair and I rarely wash them so they probably do have a smell.

I'm wearing them right now actually.....they smell fine.
by pennstater2005
Sun Feb 04, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14529

Re: For BHs who actually like cars - what is your daily driver?

Earl Lemongrab wrote:
Sun Feb 04, 2018 12:26 pm
1995 Ford Bronco.
I loved the old Ford Bronco's! The 2020 Bronco is possibly going to sit on an actual frame.



Image





https://www.autoblog.com/article/2020-f ... de-3810685
by pennstater2005
Sat Feb 03, 2018 6:53 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5478

Re: Fewer acronyms please

TwstdSista wrote:
Fri Feb 02, 2018 5:58 am
Sheepdog wrote:
Fri Feb 02, 2018 5:47 am
Blueskies123 wrote:
Thu Feb 01, 2018 7:32 pm
Agreed, ticker symbols should always be followed by their proper name.
YES....Please
and ERs.
Emergency room? Endoplasmic reticulum? Estrogen receptor? External relations? External rotation? Emergency response? Explicit rate? Earthquake relief?
by pennstater2005
Sat Feb 03, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 390
Views: 43318

Re: Netflix, Your Current Favorite Show

Kind of the same cycle we went through with Sons of Anarchy, another (IMO) horribly cheesy and poorly written show, which we just kept trying to soldier through because we heard so many great things about it We made it through a few episodes of SOA and I just couldn't bear it. Every time I saw "Peg...
by pennstater2005
Fri Feb 02, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 21
Views: 1412

Re: Hulu, Your Current Favorite Show

Watching "The Last Man on Earth". Very well written....funny stuff.
by pennstater2005
Fri Feb 02, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 390
Views: 43318

Re: Netflix, Your Current Favorite Show

JBTX wrote:
Fri Feb 02, 2018 4:53 pm
Charlieville wrote:
Thu Feb 01, 2018 11:12 pm
Bloodlines
Started very strong but progressive got worse. After a while you just grew angry at the stupidity of some of the characters.

I enjoyed it if nothing else being set in the keys. Memories from Florida.
Agreed. Glad it was only 3 seasons.
by pennstater2005
Sun Jan 21, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5618

Re: Laughter is the Best Medicine - What makes you Laugh?

randomizer wrote:
Sun Jan 21, 2018 3:48 pm
What's laughter?
Beaker makes me laugh.
by pennstater2005
Sat Jan 20, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5049

Re: Make me feel good about my bond allocation

I'm 39 with 20% in bonds. I think it's reasonable. I think what you're doing is reasonable. If you are thinking about this a lot then you must not have your AA where it needs to be yet. Tweak it if need be. You'll feel better about your bonds though when the market decides to correct itself.
by pennstater2005
Sat Jan 20, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5618

Re: Laughter is the Best Medicine - What makes you Laugh?

Ray and Tom Magliozzi from Car Talk. Their laughter is infectious! Yeah. They always came on the air right before Wait Wait. So sad when Tom died and they shut down production. One of my favorite callers had a complaint where his vehicle started up with no problem, initially had a lot of power, but...
by pennstater2005
Sat Jan 20, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5618

Re: Laughter is the Best Medicine - What makes you Laugh?

pennstater2005............you got me started on the Car Talk thing... What was your favorite segment on Car Talk?....Well sort of a dumb question cuz they were all fantastic.... but DW and my favorite was their closing credits.......... Every week they had new and hilarious folks.....but always rep...
by pennstater2005
Sat Jan 20, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5618

Re: Laughter is the Best Medicine - What makes you Laugh?

my wife and I still listen to Car Talk repeats often...... I have the Car Talk podcast from NPR on my phone. I just download the latest one aired each week and listen. My son is 6 and he loves it :happy I always like how they attempt to spell each caller's name. "That's Cathy with a C.....am I righ...
by pennstater2005
Sat Jan 20, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5618

Re: Laughter is the Best Medicine - What makes you Laugh?

Ray and Tom Magliozzi from Car Talk. Their laughter is infectious!