Search found 1079 matches

by gvsucavie03
Sat Jan 14, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 4467

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: 4467

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: 4467

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: 959
Views: 118151

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: 15962

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: 959
Views: 118151

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: 297

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: 297

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: 1649
Views: 884498

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: 1861

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: 4467

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 15278

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: 15278

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: 15278

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: 959
Views: 118151

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: 959
Views: 118151

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: 959
Views: 118151

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: 9360

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: 8455

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: 3696

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: 3696

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: 959
Views: 118151

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: 4444

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: 422

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: 107
Views: 15278

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: 107
Views: 15278

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: 20127

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: 358

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: 1288

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: 1288

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: 1288

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: 1288

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: 172
Views: 13364

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: 172
Views: 13364

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: 1288

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: 1288

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: 1288

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: 1591

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: 1591

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...

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