Search found 2268 matches

by pennstater2005
Wed Dec 13, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 2907

Re: WHO IS RIGHT ME or SPOUSE

Without reading any of this.....your spouse is right :beer
by pennstater2005
Sat Nov 25, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1764

Re: TVs: Go for $0 or $300

I've always stayed away from the Black Friday tv sales. Some of those TV's are "derivatives" and are made with cheaper components and have less features. You just have no way of knowing which features or components. https://www.nbcnews.com/business/consumer/black-friday-brief-derivative-tvs-smoking-...
by pennstater2005
Fri Nov 17, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 57
Views: 8251

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
Thu Nov 02, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3041

Re: Do you Mow your own Lawn?

Mow my own lawn. I'm too picky. I'd be watching them the whole time telling them what pattern to mow and such :D I did it to my wife and now she won't mow the lawn.
by pennstater2005
Fri Oct 27, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26569

Re: Iphone X is $1000

Off topic but iPhone SE prepaid for $149. I poppped my Cricket sim in and off I went. https://www.bestbuy.com/site/at-t-prepaid-apple-iphone-se-4g-lte-with-32gb-memory-prepaid-cell-phone-space-gray/5792701.p?skuId=5792701&ref=212&loc=1&ksid=954d87a1-f6c5-47e4-9a76-13c9189157b2&ksprof_id=3&ksaffcode=...
by pennstater2005
Fri Oct 27, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 423066

Re: What's Your Credit Card Rewards Strategy?

Just happened to check a credit card to see if I had any remaining points before canceling. Good thing I did. $865 fraudulent purchase at Bloomingdales online. Called and it was wiped out immediately. I'm not very good about looking at old sign up bonus cards that I have yet to cancel. Pain in the ...
by pennstater2005
Thu Oct 26, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 423066

Re: What's Your Credit Card Rewards Strategy?

Just happened to check a credit card to see if I had any remaining points before canceling. Good thing I did. $865 fraudulent purchase at Bloomingdales online. Called and it was wiped out immediately. I'm not very good about looking at old sign up bonus cards that I have yet to cancel. Pain in the r...
by pennstater2005
Wed Oct 18, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2521

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

I would give him/her my wallet although that would probably make matters worse as I don't carry cash. Wasn't that a thread on here before? Carrying cash and getting mugged or something like that :oops:

Edited to add: In before the lock :D
by pennstater2005
Thu Oct 05, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 3152

Re: That blank stare... ?

I can honestly say my wife is very appreciative that I take care of the investing. We discuss it only occasionally as I even get bored talking about it most of the time.
by pennstater2005
Wed Oct 04, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3663

Re: Cash in a local bank or credit union

Grt2bOutdoors wrote:
Wed Oct 04, 2017 9:29 am
pennstater2005 wrote:
Wed Oct 04, 2017 9:18 am
No local banking now for the last few years. Have yet to have an incident where I needed it. No cash on hand either. I don't need free cookies.
I go for the free coffee, my kid tags along for a free lollipop! :)
Don't let my kids know they're giving away lollipops!!!
by pennstater2005
Wed Oct 04, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2646

Re: How many accounts do you have?

RDHlooking4FIRE wrote:
Wed Oct 04, 2017 9:14 am
Well I mean money accounts. Not like netflix and stuff.

And how do you manage all of your money accounts? I use mint. com.
Still too many to count :wink:
by pennstater2005
Wed Oct 04, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3663

Re: Cash in a local bank or credit union

No local banking now for the last few years. Have yet to have an incident where I needed it. No cash on hand either. I don't need free cookies.
by pennstater2005
Wed Oct 04, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2646

Re: How many accounts do you have?

Jack FFR1846 wrote:
Wed Oct 04, 2017 9:09 am
OMG.....I won't even count. I have a coded sheet with usernames and passwords on it and there's over 50 accounts. Don't even get me started on forgotten eBay accounts, FAFSA, cable TV, cell phone.......
Same. Too many to count :D
by pennstater2005
Tue Oct 03, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52056

Re: Equifax says info stolen. What's my best course of action?

Enrolling into their free monitoring will exclude you from any future class action lawsuits. With so many people involved what would the actual amount of settlement money be at the end anyway? A check probably barely worth cashing. I got a check a few years ago from student loan servicer AES that w...
by pennstater2005
Mon Oct 02, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1653

Re: Hardwood/Laminate floors ?

Something I posted awhile back. We used this in the basement but it turned out nice and was relatively cheap. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=213566&hilit=Flooring#p3278889 It was from Home Depot. Lakeshore Pecan. I believe $.79 a sq ft. http://www.homedepot.com/p/TrafficMASTER...
by pennstater2005
Mon Oct 02, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6622

Re: Are credit cards rewards worth it?

I use credit rewards cards. We usually earn about $2500/year, but the past 12 months I think we are on track for $3000. Amex Blue Preferred - Groceries Amazon Prime Store Card - 5% on Amazon PenFed for gasoline Fidelity 2% Visa and Citi Double Cash 2%- everything else I think it is worth it. We hav...
by pennstater2005
Mon Oct 02, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7648

Re: Lowes vs Home Depot

Customer service seems to vary by locations of each store. You're only as good as your people. Happens to be Lowes for me. Although I occasionally shop at Home Depot.
by pennstater2005
Mon Oct 02, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6622

Re: Are credit cards rewards worth it?

Absolutely credit card rewards are worth it to me. That said it is basically a second job to me both in the time I put in and the income I get out of it. To those concerned about your credit mine is almost always over 800. And when I cancel a card it's maybe a couple points ding that recovers very ...
by pennstater2005
Mon Oct 02, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular lowers prices or increases benefits
Replies: 14
Views: 1333

Re: Consumer Cellular lowers prices or increases benefits

CULater wrote:
Mon Oct 02, 2017 10:32 am
Unfortunately, unlimited talk and 3 GB data will cost $40 plus taxes, fees, tolls, etc. I get the same thing at H2O wireless for a flat $27.
Agreed. They lost me a couple years ago. I'm sure they're very sad about that.
by pennstater2005
Mon Oct 02, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6622

Re: Are credit cards rewards worth it?

I use credit rewards cards. We usually earn about $2500/year, but the past 12 months I think we are on track for $3000. Amex Blue Preferred - Groceries Amazon Prime Store Card - 5% on Amazon PenFed for gasoline Fidelity 2% Visa and Citi Double Cash 2%- everything else I think it is worth it. We hav...
by pennstater2005
Sat Sep 30, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 423066

Re: What's Your Credit Card Rewards Strategy?

Well, my strategy now is not much. I froze mine and my wife's credit, as so many here, at the big 5 credit reporting agencies. I figured maybe it was time to take a break anyway. Of course I've said that before and this will actually be the first time I've done it. I did upgrade my current AMEX Blue...
by pennstater2005
Sat Sep 30, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6463

Re: Is it a waste of money having your furnace checked every year?

We have our furnace inspected annually. It's nearly forty years old. Mostly to make sure the firebox isn't cracked. Although the guy who does it said the firebox's in older furnaces use to be thicker and just don't crack easily. Also, the thermocouple is replaced about every other year. Something I ...
by pennstater2005
Fri Sep 15, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 861

Re: [ShopRunner] from AMEX

We've had it through AMEX, free, for years. Stuff actually arrives in 2 days or so via FedEx. It also includes free returns via UPS. Great service. Plus after we signed up via our AMEX card it seems that you can then use any card, e.g., Fido Visa, and it still works. We recently ordered something f...
by pennstater2005
Sat Aug 19, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 3317

Re: Frozen steaks ordered through the mail

I remember when I was little a guy was selling steaks out of his car trunk. I don't think my dad bought any. Definitely don't buy steaks out of anyone's car trunk.
by pennstater2005
Sat Aug 19, 2017 8:49 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 6670

Re: Home Page Updated

I like it :sharebeer
by pennstater2005
Wed Aug 02, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7769

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

I always try to go Japanese with my small equipment needs. Kawasaki engine on the riding mower and Honda on the push. Weedeater is Echo, also Japanese owned.
by pennstater2005
Sun Jul 30, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 69
Views: 7647

Re: What are your monthly expenses?

ponyboy wrote:my expenses are less than my take home pay...thats all.
Same here.
by pennstater2005
Wed Jul 26, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 4388

Re: Metropcs iPhone SE $200

Unfortunately, I tried this yesterday. I went to the link, entered the IMEI # from the unwrapped box, and submitted the request. I received the email to confirm the request which I did. I checked the status link today and received the message at the top that the phone has not be active for 6 month....
by pennstater2005
Sat Jul 22, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 24992

Re: Netflix, Your Current Favorite Show

For something a bit different, here are two animated series which are entertaining and smartly written: 1. Archer 2. Bob's Burgers Agree with this. However, the same voice actor does the lead character for each show. I watched Bob's Burgers first and it took me something like 2 seasons to finally g...
by pennstater2005
Thu Jul 06, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6223

Re: What are your health insurance stats?

$192 premium for myself with a $1500 deductible. To add my family to the plan (5 total) would be nearly $2k per month. Fortunately, my family has other options.
by pennstater2005
Tue Jul 04, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4878

Re: Anyone bought a Pixel?

... I do take photos with my phone though so the camera is important. I've tried a dedicated camera but it is never convenient enough. I've not taken a pic with a regular camera for over five years and likely never will* again. *The exception is for underwater pics where I do use a camera + housing...
by pennstater2005
Wed Jun 28, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4251

Re: Do you buy phone outright or pay it off monthly...

Just bought two new iPhone SE's (AT&T Gophone) through Best Buy for $199 each. Normal $399. I've already put the IMEI number in th AT&T unlock non customer website. If they unlock I can use it on any carrier. If they don't, big deal because I can just use ATT or any ATT MVNO, like Cricket which I h...
by pennstater2005
Wed Jun 28, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4251

Re: Do you buy phone outright or pay it off monthly...

Just bought two new iPhone SE's (AT&T Gophone) through Best Buy for $199 each. Normal $399. I've already put the IMEI number in th AT&T unlock non customer website. If they unlock I can use it on any carrier. If they don't, big deal because I can just use ATT or any ATT MVNO, like Cricket which I ha...
by pennstater2005
Tue Jun 27, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 257178

Re: Best watch for around $5,000?

Good timing for thread revival as Rico Petrocelli turned 74 today :D
by pennstater2005
Sat Jun 24, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Garage Parking Aid
Replies: 28
Views: 2583

Re: Garage Parking Aid

I pull ahead very slowly until I feel a slight bump. I then reverse just slightly off the wall. My kids get a kick out of it every time.
by pennstater2005
Fri Jun 23, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2942

Re: Anyone have a habit of checking the market all day?

Occasionally I google DJIA just to get a basic idea of where the market is. This is probably a couple of times a week. Maybe more if I have patient cancellations at work :happy
by pennstater2005
Fri Jun 23, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4971

Re: Good camera - new baby coming

My iPhone is good for still pictures in daylight. I have a 5, 3, and 1 year old. Any picture I take where the kids are moving, which is every picture, is blurry with the iPhone because it doesn't stop/capture motion well at all as there is no shutter priority mode. So, I end up with a blurry arm or ...
by pennstater2005
Mon Jun 19, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4971

Re: Good camera - new baby coming

If you aren't looking for a DSLR with interchangeable lenses I agree with the Sony RX100 V. It's the latest version out. If I hadn't gotten a Nikon D7000 I would've bought the Sony. As a matter of fact, sometimes I wish I did buy the Sony for the portability factor which definitely does not exist wi...
by pennstater2005
Sun Jun 18, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5952

Re: Dehumidifier woes

mouses wrote:Where are you people living that you need these?
Western PA. Checked humidity in basement and it was at 84%. Turned on the dehumidifier and set it for 55%. I do it a few times a day. I don't leave it on all the time although I could and it would probably run continuously.
by pennstater2005
Fri Jun 16, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 6699

Re: Favorite Feature of Vanguard Website?

Fortunately for me I just login to purchase funds and a quick peek at current assets. Then I logout. So, no favorite feature unless you count it lets me buy funds/check assests.
by pennstater2005
Wed Jun 14, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 4590

Re: How many tech devices do you have?

1. Two tv's, one smart 2. Two iPhones 3. One Macbook air 4. One Apple tv box 5. One Kindle fire for kids 6. One Bose Bluetooth speaker 7. One Bluetooth wireless FM transmitter for car (no aux input for iPhone) and don't have this yet but will for Fathers day :happy 8. I'm missing something.....that ...
by pennstater2005
Tue Jun 13, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5952

Re: Dehumidifier woes

Second season for a small Danny unit. I usually don't buy extended warranties but after reading about all the failures I did on this from Home Depot. Was only an extra $19 and gave me four years of coverage.
by pennstater2005
Wed Jun 07, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 8581

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Somehow this reminds me of the "tip" jars I see just about everywhere now. That said, I had never heard of a push gift either but agree with Grt2bOutdoors that your beautiful child is the gift. Taking time off work and helping out around the house and with all the kids, and then continuing to do so ...
by pennstater2005
Fri Jun 02, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Making an app for Bogleheads, need advice
Replies: 46
Views: 6371

Re: Making an app for Bogleheads, need advice

I downloaded it. Put in my fund. Is that all I need to do?
by pennstater2005
Thu May 25, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1721

Re: Ally Self-Directed Trading

lazyday wrote:They've become a good and competitive online bank, so I wouldn't be too surprised if someday they have a good online brokerage.
That's what I was thinking. Although, I would still purchase directly through Vanguard unless Ally had some type of incentive to make it worthwhile to change.
by pennstater2005
Wed May 24, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1721

Ally Self-Directed Trading

Just got this email today. Ally is in the game.

https://www.ally.com/invest/self-direct ... L400000656
by pennstater2005
Wed May 24, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6503

Re: anyone ever live/living on a boat?

I had a co worker a few years back who lived on a boat.....for a few weeks at a time. And when he got a little tired of it he went to his house for a night or two. I think he was 35 or so at the time. I have no personal experience though. I also have an aunt and uncle who have a gulfront residence i...