Search found 1095 matches

by gvsucavie03
Fri Mar 24, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 19
Views: 1889

Re: Emergency Fund...Savings, Money Market, or CD?

We have a LMCU Max Checking account that earns 3% on up to $15,000. Must have DD, 10 debit and 4 online logins per month. We also have an Ally MMA earning .85%.
by gvsucavie03
Sat Mar 04, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

I just signed up for Chase Freedom 5% rotating categories. $150 bonus for $500 in purchases in first three months and an additional $25 for authorized user. This was timed specifically for next quarter's grocery category... I'll take a break from the Amex Blue Cash Preferred, then go back after $1,5...
by gvsucavie03
Sat Mar 04, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10228

Re: Seems Dave Ramsey is right about debt

Dave Ramsey has a completely different audience than Bogleheads. We've already established that the BH way is not the norm. Most people in this country would indeed benefit from the DR approach to handling money. Once you graduate from DR, then you're ready for BH. Ramsey helps you get out of debt,...
by gvsucavie03
Tue Feb 28, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10228

Re: Seems Dave Ramsey is right about debt

Dave is step one on many financial topics for many people. We did the class and the debt snowball, but "fudged" along the way to pay off a car faster. Still driving it at almost 200,000 miles. Paid off about $70,000. Now my wife and I have a house on a 30-year note (paying like a bi-weekly...
by gvsucavie03
Sun Feb 12, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940236

Re: The Three-Fund Portfolio

Assuming that half my assets are IRA and the other half are non-IRA, that I go for the three fund strategy holding all three in equal amounts, further assuming I'm in the 33% tax bracket, how should I divide them between IRA and non-IRA to obtain the most tax-efficient strategy? Thanks in advance. ...
by gvsucavie03
Fri Feb 10, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Nothing. Stay out of debt. Use cards as little as possible. Pay of immediately. Well, you might want to actually read this thread. You are missing out! Ours end up being rebate cards... Paid in full every month, 5% back for gas, 6% back for groceries, 3% for Penny's and Kohl's and 2% for other majo...
by gvsucavie03
Sat Feb 04, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940236

Re: Adding bond funds?

Duffydog1: Vanguard's Total Bond Market Index Fund is an extremely diversified and low-cost bond fund. You can see for yourself here . I think it would be a mistake to complicate your portfolio by adding more bond funds. Read the "Simplicity" link below. Best wishes.' Taylor Taylor, I wou...
by gvsucavie03
Sat Feb 04, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. Just got the Barclay Card Arrival which is 50,000 points. I don't travel so I'll be doing the partial redemption for $250 in Home Depot gift cards to get a sweet Bluetooth controlled electric smoker :D I just opened the WF checking account wit...
by gvsucavie03
Tue Jan 31, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Search 1099's claimed against you?
Replies: 17
Views: 1069

Re: Search 1099's claimed against you?

You can mail or fax Form 4506-T to the IRS and check box 8 and they'll tell you: https://www.irs.gov/pub/irs-pdf/f4506t.pdf. I'll use this if necessary You should be aware that when obtaining 1099 information by use of Form 4506-T, the information is generally not available until the year after the...
by gvsucavie03
Tue Jan 31, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Search 1099's claimed against you?
Replies: 17
Views: 1069

Re: Search 1099's claimed against you?

bsteiner wrote:You can mail or fax Form 4506-T to the IRS and check box 8 and they'll tell you: https://www.irs.gov/pub/irs-pdf/f4506t.pdf.


I'll use this if necessary
by gvsucavie03
Tue Jan 31, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Search 1099's claimed against you?
Replies: 17
Views: 1069

Re: Search 1099's claimed against you?

Bunch of bank bonuses, a credit card bonus, DIV on various checking and savings accounts, wife's 1099-MISC for her job.... I just wish there was a page we could go to on the IRS website to see everything in our name.
by gvsucavie03
Tue Jan 31, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Search 1099's claimed against you?
Replies: 17
Views: 1069

Re: Search 1099's claimed against you?

Eagle4Life wrote:You are reading too literally. I'm sure he means 1099s with your SSN attached to it.


Bingo
by gvsucavie03
Tue Jan 31, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Search 1099's claimed against you?
Replies: 17
Views: 1069

Re: Search 1099's claimed against you?

I doubt this exists. But it should, and for all informational forms, not just 1099s. However, you should know where you have accounts during the year and if you under-report income you'll probably get an IRS letter, so I assume if the IRS doesn't contact me I've reporting everything appropriately. ...
by gvsucavie03
Tue Jan 31, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Search 1099's claimed against you?
Replies: 17
Views: 1069

Search 1099's claimed against you?

Is there a way to search under your tax ID/SS # for 1099's filed against you for a given tax year? I have a bunch of taxable 1099-INT and -DIV and to complicate matters more, we moved in September. I've gotten some, but I'm pretty sure I haven't gotten all of them. How long to wait for something lik...
by gvsucavie03
Sun Jan 29, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank Bonus - need a credit card?
Replies: 3
Views: 482

Re: Capital One Bank Bonus - need a credit card?

Ok, thanks! No need to get another, then. Citi Double Cash is better IMO.
by gvsucavie03
Sun Jan 29, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank Bonus - need a credit card?
Replies: 3
Views: 482

Capital One Bank Bonus - need a credit card?

For those that scarf up bank bonuses - Capital One has a nation-wide targeted offer for $200. I'm wondering if you need to be a credit card customer to get the offer email or mailer?
by gvsucavie03
Sat Jan 14, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 4616

Re: Easy $300 bonus- Key Bank

It is my understanding that this in no way will negatively affect your credit unless it is hard pull or the account is not in good standing. Their chex system may flag you for too many accounts or closures. My credit has hardly changed and I got almost $2,000 last year in bank bonuses.
by gvsucavie03
Sat Jan 14, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 4616

Re: Easy $300 bonus- Key Bank

Most banks are not sensitive to the chex system. PNC is, but the large majority are not.
by gvsucavie03
Sat Jan 14, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 4616

Re: Easy $300 bonus- Key Bank

Resurrecting this thread from a few months ago as I just got a $400 version of this offer in the mail. A few questions for anyone who took advantage of this: 1) My offer stated that the money ($500 direct deposit required) needed to be in the account for 90 days, then the bonus would be given...but...
by gvsucavie03
Fri Jan 13, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Sorry to sidetrack from the airline miles discussion...

Citi Double Cash is annoyingly low with credit limits... Just got a second limit increase to a whopping $6,000. I'll never get close to that amount, but for those trying to stay low on credit usage it is aggravating.
by gvsucavie03
Fri Jan 13, 2017 7:57 am
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 90
Views: 16442

Re: favorite bogleheads posts?

Compound wrote:
pingo wrote:Nisi's refreshing lemonade analogy was the first thing that came to my mind.

:beer


Wow! Hadn't seen that one before. So so so good. Nisiprius -- I wish there was an applause emoji to celebrate you. Instead, I will just have to use the lemonade one:
:beer


Very nice!
by gvsucavie03
Mon Jan 09, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Checking account bonuses have gotten me more excited recently.... Wife got $350 in 2 weeks. TV died, so that got a new one. Agreed. I use my emergency fund money to earn bank bonuses. I've got the wheels in motion to earn $1,270 in Q1 2017. I also churn rewards cards, but bank account bonuses are m...
by gvsucavie03
Wed Dec 21, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Noob_bond_questions
Replies: 3
Views: 340

Re: Noob_bond_questions

I have an IPS. It says 75/15/10 stocks/bonds/REIT (which I consider stock) but I can adjust it each year as I get older or married or have kids etc. I'm up for evaluating adjustment. Maybe a bad IPS but they do need to be flexible. No? What happens when bonds are more favorable? Stocks are hot? Rei...
by gvsucavie03
Wed Dec 21, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: Noob_bond_questions
Replies: 3
Views: 340

Re: Noob_bond_questions

You need an IPS. An IPS in your case would probably indicate that you'd need to rebalance. Don't base it on what might happen, but rather what sound, research-based evidence has shown: rebalancing at least once a year maximizes risk-adjusted returns.
by gvsucavie03
Wed Dec 21, 2016 7:04 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940236

Re: The Three-Fund Portfolio

Mr. Larimore, I am considering the three fund portfolio and am wondering why you have chosen VTIAX as your international fund. It appears that VWIGX has outperformed VTIAX over time. I am thinking management risk is one reason. I currently have DODFX as my International exposure. I would appreciate...
by gvsucavie03
Sat Dec 10, 2016 6:31 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $100K inheritance
Replies: 23
Views: 1985

Re: How to invest $100K inheritance

Unless something changes dramatically (income) in the next few months, I would list the house. This is eating up your cash savings. You have to look at things where they are now and in the future, not based on what happened in the past. Sounds like circumstances have changed for you and that house m...
by gvsucavie03
Sun Nov 27, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 4616

Re: Easy $300 bonus- Key Bank

I got a Key Bank bonus a few months ago. Just set up one for my wife. Mine was $200 and hers will be $300. I did mine as a transfer from my Ally MMA and it counted as the DD. The Hustler Money Blog page verifies this from many followers. Closed right after. Bank bonuses are taxable. We are 15%, so v...
by gvsucavie03
Sun Nov 27, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

https://zerofinancial.com/ 3% cash back but it's a debit card and requires $100,000 in annual spending. Wow, so pretentious. 2% cards can be found for free with no minimum. $100k seems rich for 3%. From what I can tell, It is not really 3% cashback. It is tiered up to the first $100,000 of spending...
by gvsucavie03
Sat Nov 19, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

lostdog wrote:https://zerofinancial.com/

3% cash back but it's a debit card and requires $100,000 in annual spending.


Wow, so pretentious. 2% cards can be found for free with no minimum. $100k seems rich for 3%.
by gvsucavie03
Wed Nov 16, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Checking account bonuses have gotten me more excited recently.... Wife got $350 in 2 weeks. TV died, so that got a new one.
by gvsucavie03
Tue Nov 15, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Any new success stories with your strategy? I've found this hobby to be quite addicting - I daydream of where my points will take me and I am always thinking of points when I spend money. I'm also constantly looking for new offers, but realizing that I need to temper the applications - patience is ...
by gvsucavie03
Thu Oct 27, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Dave Ramsey on Credit Card point strategies: https://www.youtube.com/watch?v=K1usdOW4RyI Very funny... Hope you are not serious?!? Yeah, according to Dave none of us use credit card rewards and we are deeply in credit card debt.... :annoyed I've never actually seen or heard him before (sheltered li...
by gvsucavie03
Wed Oct 26, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Da5id wrote:
lostdog wrote:Dave Ramsey on Credit Card point strategies:

https://www.youtube.com/watch?v=K1usdOW4RyI


Very funny... Hope you are not serious?!?


Yeah, according to Dave none of us use credit card rewards and we are deeply in credit card debt.... :annoyed
by gvsucavie03
Tue Oct 25, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

hoops777 wrote:What is a 3 pct checking account


LMCU Max Checking. 3% interest on balance up to $15,000 If you do 10 debit transactions, direct deposit, estatements and 4 online logins.
by gvsucavie03
Tue Oct 25, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Gave in and got the Amex Blue Cash Preferred. $150 bonus and better rewards for groceries even with the annual fee.

Now we have Citi Double Cash for utilities/big purchases, Penfed 5% gas and the Amex. Rest of the $ is sitting in a 3% checking account. Bank bonuses round it off.
by gvsucavie03
Wed Oct 12, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

No it's not. That fee increase is only for new applicants.


Thank you for clarifying.
by gvsucavie03
Mon Oct 10, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

Amex BlueCash Preferred 6% back on groceries ($6k limit), 3% at dept stores, 1% on everything else $75 annual fee Used for groceries only except for the first grocery trip of the month Sallie Mae Barclaycard (Discontinued) 5% back on gas ($250 max/month), 5% back on books (including Amazon.com for ...
by gvsucavie03
Thu Sep 29, 2016 5:36 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 107
Views: 15792

Re: TDBank promo just started easy $600

Made some real $$, not much, but $ I didn't have before. A few thousand here, a few thousand there. It adds up. Exactly. My former landlord had been doing this for years, multiples at some banks now. He says it's unbelievable that these banks don't try to curb people just milking them for bonuses. ...
by gvsucavie03
Wed Sep 28, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 107
Views: 15792

Re: TDBank promo just started easy $600

Awesome, I should get into this action... easy money.... Agreed, but not without hassles. Application procedures are not always as simple as they seem, and accounting, keeping up with each bank's unique rules, moving money around, getting things to code as "direct deposit", closing accoun...
by gvsucavie03
Thu Sep 22, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 107
Views: 15792

Re: TDBank promo just started easy $600

To date...

Huntington $200
Northpointe $50
Discover (NEA) $50
First Federal $150, and another $150 for some reason.
US Bank $125
Key Bank $200

Just opened Fifth Third ($200), Preferred CU ($125), and will open Chase 360 soon ($300).

Probably will do the same for DW soon...
by gvsucavie03
Fri Sep 09, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

I have the card CSR in hand. Assuming I can meet the 4K spend in 3 months, does it still make sense to pay the 1.87% fee additional for federal taxes? I am not sure how much additional my state is, but I will find out. For those who have CSR and AMEX preferred cash back and Penfed gas card, are you...
by gvsucavie03
Fri Sep 02, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

fareastwarriors wrote:
lostdog wrote:We just have ONE credit card and use the 1.5% cash back. We pay it off every month.


Why not get a 2% cash back card for everything?


Don't forget the 5% gas.... In tandem, the Citi Double Cash and Penfed Gas cards are as simple and straight-forward as it gets.
by gvsucavie03
Sat Aug 27, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

We are certainly a different breed on this forum, so the chances of us getting in over our head is low. Then again, there is a "get rich quick" towards the top...

Good insight on the 30 cards... Are all active? I still think it adds too much complexity.
by gvsucavie03
Sat Aug 27, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Get rich quick?
Replies: 52
Views: 9523

Re: Get rich quick?

The question in and of itself is incredibly shortsighted. The problem with getting rich quick is you have to do it a lot consistently without losing your shirt in the process (i.e. it doesn't work unless you are famous or get a substantial windfall).
by gvsucavie03
Sat Aug 27, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8848

Re: What is your system for dealing with coins?

Each kid has a coin collector in their room. Spare change goes in them. Cash in every year for birthday expenses. Usually $75 each.
by gvsucavie03
Sat Aug 27, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3998

Re: Aug. 2017 US total eclipse hotel reservations.

Also, 2024 is supposed to be even better. I will be enjoying both.
by gvsucavie03
Sat Aug 27, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3998

Re: Aug. 2017 US total eclipse hotel reservations.

I live in the totality zone, so I'm not worrying about hotel reservations. :D If the weather turns out bad, I'll have to evaluate how far I can drive, but by then of course a lot of hotels will be booked up already. Even without the eclipse, it's summer travel season. Exactly why I won't be booking...
by gvsucavie03
Sat Aug 27, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1338
Views: 168917

Re: What's Your Credit Card Rewards Strategy?

2 cards: Penfed 5% gas, Citi Double Cash. Simple, got my score high to qualify for our mortgage. We must remember a few things when we say things like "credit cards are awesome" and tallying how much we get back in cash, gift cards and travel points... 1. We assume balance paid in full eac...
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: 4665

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: 434

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.

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