Search found 1047 matches

by gvsucavie03
Thu Aug 18, 2016 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?
Replies: 47
Views: 3906

Re: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?

If you are both willing and able to assume the risk. I am the former, not the latter.

Does your IPS state when you plan to transition to bonds? That is the big question. Unless you have a large portfolio, cash reserve, or flush pension, I think it is wise to have bonds in retirement.
by gvsucavie03
Sat Jul 30, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy "Ladder" [Portfolio help]
Replies: 6
Views: 382

Re: LifeStrategy "Ladder" [Portfolio help]

It is my understanding that we move stock funds out for RMD and leave bonds/FI in our tax-deferred account.... I don't think you want a LS fund in a taxable account.
by gvsucavie03
Thu Jul 28, 2016 6:02 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 78
Views: 9096

Re: TDBank promo just started easy $600

Most of the online bonus $ folks chase are for credit card sign ups and those do not get reported as income and DO NOT add to your AGI for the IRS. That is the second reason I added that statement. I am not a tax accountant and I have no idea why one bonus is taxable income while a second bonus is ...
by gvsucavie03
Wed Jul 27, 2016 6:05 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 78
Views: 9096

Re: TDBank promo just started easy $600

I love when people complain about this stuff. I'm more than happy to spend hours doing this. If it takes me 3 hours to generate a $300 bonus, that's worth it to me as it is basically working for $208,000/yr. A fair bit more than I make as a salaried employee who deals with real headaches on a daily...
by gvsucavie03
Sun Jul 24, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 61
Views: 17447

Re: Question about Citi Double Cash Card

Update: just did a soft-pull request for an increase and it was approved for $1,500 more. Although not super, it did increase 50% from $3,000 to $4,500. Citi is pretty stingy with limits, my Penfed gas rewards card has a $14,000 limit. I got an email this week offering a credit increase after havin...
by gvsucavie03
Sat Jul 23, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Handicap equipment removal
Replies: 2
Views: 325

Handicap equipment removal

My wife and I are looking at a house that we might be putting an offer on. It has a small elevator in the garage, automatic door, stair rail/motorized seat, and a handicap tub.

Who would I contact to remove and possibly sell It to? Elevator is about $6,000.
by gvsucavie03
Thu Jul 14, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Re: Installment Loans to help FICO?

Is it important to show something on the statement? Otherwise, I can pay off as I go and get more perks like the cash back (I have the Citi Double Cash which is 2% unlimited). The only information the credit reporting company appears to get is the balance on the reporting day (not the end of the cy...
by gvsucavie03
Thu Jul 14, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Re: Installment Loans to help FICO?

Correct, what gets reported to the credit bureaus is simply the account balance on the date your statement cycles (at least for me on my cards). This is not my experience. Things may have changed or my experience may just be different. So you (gvsucavie03) need to actually look at a credit report a...
by gvsucavie03
Thu Jul 14, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Re: Installment Loans to help FICO?

Oh yes, great to hear your mortgage score is already high enough that you don't need to do anything at all to improve it. If I remember correctly, that is high enough to get the very best rate. Yes, I don't want to tinker more than I have to. I really didn't want debt. I just want to maintain what ...
by gvsucavie03
Thu Jul 14, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Re: Installment Loans to help FICO?

Update... I spoke to a loan officer at LMCU today. You folks were right, my 3 scores are an average of 780+, so apparently Citi uses a different model. He has all of my financial information and said I'm ready to buy based on the numbers I gave him. It would be a conventional loan. He told me to do ...
by gvsucavie03
Wed Jul 13, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9430

Re: How many of you have cut cord?

This is a pretty long thread...141, I believe. A lot to digest, but I feel motivated to at least really consider standing up to my cable/internet/landline company. Thanks all. 1210 They will pretty much fight to get you to stay with them. We had Charter and the lady on the phone was quite rude when...
by gvsucavie03
Wed Jul 13, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9430

Re: How many of you have cut cord?

Cut the cable, we have internet, Netflix and Hulu. Considering a $20/mo promo for Olympics and football season.
by gvsucavie03
Wed Jul 13, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Re: Installment Loans to help FICO?

Until you get your mortgage, keep the number of "hard pulls" on your credit score to a minimum because too many "hard pulls" actually drop your score. If it is done by an institution with which you already have a financial arrangement, it should not be a "hard pull" an...
by gvsucavie03
Wed Jul 13, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Re: Installment Loans to help FICO?

I did join Lake Michigan CU a while ago with this in mind. I'll call a loan officer there and see if there are any things I could do to keep things looking positive prior to the pre-approval.
by gvsucavie03
Wed Jul 13, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Installment Loans to help FICO?
Replies: 22
Views: 1098

Installment Loans to help FICO?

We are less than a year away from pre-qualifiying for a mortgage - we'd like to put down 10%. As of last month, I have a 732 FICO score. Citi's website, which gives a free score, said I have too few accounts and lack an installment account (we paid off all student loans last year). I do have 2 credi...
by gvsucavie03
Tue Jul 12, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1422

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

For me there is more to an emergency fund than just stability of principle. If I get hit by a bus tomorrow, I want my family to have ready access to the money without having to go make sell decisions and then transfer $$ into a checking account to get the bills paid. As a result I have my ER in a s...
by gvsucavie03
Mon Jul 11, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1422

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

Why not 6 months in an Ally Savings account and the rest in a higher risk investment. If the market then drops 50%...you'd have 9 months of emergency funding. Unless the investment is outside of a 5-year window, it should be conservative cash-equivalent (but interest-earning) type accounts. Investi...
by gvsucavie03
Mon Jul 11, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1422

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

arcticpineapplecorp. wrote:Low is not zero. People often make the mistake of assuming something won't happen because there's a low probability. Like there's only a 5% chance of rain tomorrow. Don't forget to take your umbrella, then. It's black swan events that you want to guard against.


+1
by gvsucavie03
Mon Jul 11, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1422

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

RyeWhiskey , I don't think the market would loose 100% and stay lost forever. My thinking is that if I have twice as much as I need, I could withstand a 50% drop. To complicate things (and I was going to start a separate thread on this:) I have $50,000 set aside for my 2 nieces. ($5k each to start ...
by gvsucavie03
Mon Jul 11, 2016 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1422

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

A good chunk of my EF is in my LMCU Max Checking earning 3%. I just keep it separated with a different tab than my regular checking expenses. 3% up to a $15,000 balance 10 debit/mo 4 login/mo eStatements Direct Deposit $450/year max won't win any big prize, but I figured the earmarked money in that ...
by gvsucavie03
Mon Jul 11, 2016 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1422

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

Much more prudent to divide large emergency funds evenly into cash, short-term bonds and a CD ladder. Mine is all in a bank account. It is not an investment as Nedsaid mentioned.
by gvsucavie03
Mon Jul 11, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 61
Views: 17447

Re: Question about Citi Double Cash Card

Update: just did a soft-pull request for an increase and it was approved for $1,500 more. Although not super, it did increase 50% from $3,000 to $4,500. Citi is pretty stingy with limits, my Penfed gas rewards card has a $14,000 limit.
by gvsucavie03
Sun Jul 10, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2243

Re: Investing in gold

Bogleheads.org – Investing advice inspired by Jack Bogle Something doesn't seem to add up... :confused You are right, Mr. Bogle seems to recommend a 2 fund portfolio with no international stocks or rebalancing and a age in bonds allocation plus market timing in extreme situations. And yet you rarel...
by gvsucavie03
Sun Jul 10, 2016 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2243

Re: Investing in gold

Unless you have a total investment portfolio in excess of $1M, I wouldn't do it. Even then I probably still wouldn't do it. I don't want my money tied up in one narrow area of "investing," which I don't consider gold or other precious metals to fit into that category. Naysayers need not r...
by gvsucavie03
Sun Jul 10, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2243

Re: Investing in gold

Unless you have a total investment portfolio in excess of $1M, I wouldn't do it. Even then I probably still wouldn't do it. I don't want my money tied up in one narrow area of "investing," which I don't consider gold or other precious metals to fit into that category. Naysayers need not r...
by gvsucavie03
Sun Jul 10, 2016 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2243

Re: Investing in gold

Unless you have a total investment portfolio in excess of $1M, I wouldn't do it. Even then I probably still wouldn't do it. I don't want my money tied up in one narrow area of "investing," which I don't consider gold or other precious metals to fit into that category.
by gvsucavie03
Fri Jul 08, 2016 3:19 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1554
Views: 802512

Re: "Why Buy Bonds?"

If I wanted to test myself by taking out the bond portion of this portfolio, would going 80 VTSAX/ 20 Int'l be something that might be a good portfolio (for someone who wants 100% stocks)? Yes. I think it would be an excellent all-stock portfolio. However, I believe there are very few investors who...
by gvsucavie03
Mon Jul 04, 2016 9:19 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 78
Views: 9096

Re: TDBank promo just started easy $600

heikejohn1 wrote:Only available to residents of the following states (and DC; generally east coast):

CT, DC, DE, FL MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

On the second page of the application when it asks your address, for State it only lets you choose those states.


Yep, saw that, too. I'm out.
by gvsucavie03
Fri Jul 01, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5896

Re: Bogleheads, have we "arrived" ?

6 month EF sounds low at your level. I'd want a year going into retirement with some in a CD ladder, MMA's, etc. Not sure I agree. Main emergency is job loss and retiring makes that moot. You're not a closet bucketeer, are you? Job loss is not the only emergency... There are other advantages... Liv...
by gvsucavie03
Wed Jun 29, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5896

Re: Bogleheads, have we "arrived" ?

6 month EF sounds low at your level. I'd want a year going into retirement with some in a CD ladder, MMA's, etc.
by gvsucavie03
Sat Jun 18, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Grad opening first credit card
Replies: 11
Views: 772

Re: Recent Grad opening first credit card

We use Citi Double Cash for auto-draft utilities and have it automatically paid each month from our bank account. We also have Penfed Platinum Plus Visa for gas (5% after opening a $25 Penfed money market and $100 bonus after spending $1,500 in first 3 months) also automatically paid each month. I a...
by gvsucavie03
Sat Jun 18, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Overcoming the Urge to Beat the Market.
Replies: 56
Views: 4991

Re: Overcoming the Urge to Beat the Market.

Second, you are mistaken when you say that by owning the entire market at a very low cost that I have an "average" portfolio. My portfolio is superior to most others and that's the beauty of it. +1... superior by definition Passive tilting isnt speculating or gambling if it is properly la...
by gvsucavie03
Tue Jun 14, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 180
Views: 29764

Re: Why is Dave Ramsey wrong?

His unwillingness to accept other viewpoints that are backed by a plethora of research leaves much to be desired. I started ignoring his investment "advice."
by gvsucavie03
Mon Jun 13, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1554
Views: 802512

Re: The Three-Fund Portfolio

Thanks Taylor! As I get deeper in Bogle's seminal work "Common Sense on Mutual Funds" I am starting to wonder why more people are not Bogle purists. It seems like two potential "purist" Bogle strategies would be the following holdings for a younger, aggressive investor. 80% Vang...
by gvsucavie03
Fri Jun 10, 2016 7:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1554
Views: 802512

Re: The Three-Fund Portfolio

This question is directed at Mr. Larimore but really is open to any forum members/moderators. First and foremost, are you comfortable with a 60% stock / 40% bond asset allocation? Next, do not be persuaded by other members' situations . Those 80/20 recommendations are for members who have the abili...
by gvsucavie03
Fri Jun 10, 2016 6:26 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1554
Views: 802512

Re: The Three-Fund Portfolio

This question is directed at Mr. Larimore but really is open to any forum members/moderators. I currently have the entirety of my Vanguard IRA assets allocated to the 2045 Target Retirement Fund. I am thinking of moving my money from the Target Retirement Fund into either a 3 or 4 fund approach. My...
by gvsucavie03
Fri Jun 10, 2016 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Rewards checking account
Replies: 20
Views: 1738

Re: Rewards checking account

prettybogle wrote:I received my lmcu debit card - what is the easiest/less time consuming way to make 10 debit card purchases every month ?


Some have said they schedule a time each month to do 10 small transactions (on a bill for example). Search Google on this website and you'll find it.
by gvsucavie03
Sun Jun 05, 2016 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 6311

Re: Lake Michigan Credit Union

Max checking (3%) for 6 mo. now. they waived auto deposit req. because I have no formal monthly paycheck in the form of a check. Southwest Grand Rapids. I'm surprised of acct. holders out of state. They told me swipe the debit card locally 10x/ mo.--so far no misses. -and no problems either. I 'tho...
by gvsucavie03
Fri Jun 03, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 6311

Re: Lake Michigan Credit Union

I'm in. I'll set it up this weekend.
by gvsucavie03
Fri Jun 03, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX, VTIAX and ?? [Vanguard Total Stock, Total International]
Replies: 17
Views: 2405

Re: VTSAX, VTIAX and ??

The market tanks like 2008/09. You can emotionally losing 1/2 of your money (half of stocks) and not freak out? If so, you are good for 100% stocks. Yes I can. I've always been a long term investor and not a trader. I do my homework and try to find winners and hold them. I look at drops as buying o...
by gvsucavie03
Thu Jun 02, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 6311

Re: Lake Michigan Credit Union

10 debit card transactions per month - can this be atm or does it have to be swiped as credit/signature? I don't know, but I doubt you'd want to. I maintain my Max Checking at around $40 over the $15,000 earning limit and do my 10 debit transactions on small purchases like a cup of coffee, bagel or...
by gvsucavie03
Thu Jun 02, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 6311

Re: Lake Michigan Credit Union

10 debit card transactions per month - can this be atm or does it have to be swiped as credit/signature?
by gvsucavie03
Tue May 31, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help wiht 403B investing
Replies: 15
Views: 698

Re: Help wiht 403B investing



Ouch... start with an IRA, then pick the least horrible of these options.
by gvsucavie03
Sun May 29, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Rewards checking account
Replies: 20
Views: 1738

Re: Rewards checking account

I've got $45k earning 3% at 3 different FIs. (total $45k, not $45k in each one) To earn the 3% I have to make 34 debit card transactions and 2 of the FIs require a direct deposit each month. I deal with the debit card requirements by paying $1.0x on my cell phone bill 34 times. It takes about 15 mi...
by gvsucavie03
Sun May 29, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1554
Views: 802512

Re: The Three-Fund Portfolio

Heck, put $10-15k away in a credit union checking account! Some yield 3-4%! Yes, it would mix savings and checking, but you could just do a seperate tab. Not a lot of $, but more yield than any CD I know of at this point...
by gvsucavie03
Thu May 26, 2016 7:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 43
Views: 6466

Re: Jack Bogle - Two Fund Portfolio

Can't recall my prior thoughts right now, but for taxable investments doesn't Vanguard have a fund of ~60/40 ratio that uses a tax exempt bond fund along with a good stock fund. I wish my recall was better that it is but age is becoming a factor unfortunately :annoyed VTMFX is 50/50 US Stock and ta...
by gvsucavie03
Thu May 26, 2016 4:36 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1554
Views: 802512

Re: The Three-Fund Portfolio

At this current historic time in high probability of raising interest rates after 40 years of decreasing rates, wouldn't a laddered new issue bank cd's portfolio of say 1-5 years, be better than the bond mutual fund you mention to cover all possible outcomes? Not only are they federally insured, bu...
by gvsucavie03
Mon May 02, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 689
Views: 113291

Re: Boglehead Beer

I'm seriously looking forward to spending some time at Founder's in Grand Rapids this weekend. Good food, good friends, world-class brews. Founder's Breakfast Stout is one of my very favorite beers. Enjoy! I had been looking for this for a very long time, since first reading about it on Bogleheads....
by gvsucavie03
Mon Apr 18, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 28
Views: 5029

Re: Answer to questions

You sound like a knee jerk indexer and knee jerk indexers can't possibly know anything about the future performance of anything. :wink: All of your data is past performance, so it's obvious you know nothing of the future, too. The only thing we know about the future is that it will not repeat itsel...

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