Search found 1201 matches

by gvsucavie03
Sat Jul 22, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

DireStraits wrote:Wish I'd seen this sooner. :(


300 one right now (and a 200 MMA if you have 10k to deposit by 7/31)
by gvsucavie03
Wed Jul 19, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

MikeZ wrote:Opened on 6/19.

$250 from Ally and $250 from my employer DD 6/30. No Bonus
Additional DD of $250 from employer on 7/14. No Bonus.

I never did activate my debit card.

I'm debating sending them a vague message asking.


Ally does not work for Capital One.
by gvsucavie03
Wed Jul 19, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

There is a 300 bonus right now. It does say you have to be a new customer (not just new checking account) and my wife did the 200 MMA bonus a month or so ago, so I'm giving it a try.
by gvsucavie03
Wed Jul 19, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1052065

Re: The Three-Fund Portfolio

you need a small cap fund and an em fund Hi Kennyt7 - When an investor follows a strategy of total market index funds, one is essentially buying the haystack. All publicly traded companies are included. Vanguard provides just that: Total Stock and Bond funds for both U.S. and International at a ver...
by gvsucavie03
Tue Jul 18, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1052065

Re: The Three-Fund Portfolio

you need a small cap fund and an em fund Hi Kennyt7 - When an investor follows a strategy of total market index funds, one is essentially buying the haystack. All publicly traded companies are included. Vanguard provides just that: Total Stock and Bond funds for both U.S. and International at a ver...
by gvsucavie03
Sat Jul 15, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

OP here. Capital One sweetened the deal by adding a $300 checking bonus. So if you haven't done this yet, you can potentially get $500. I am not eligible, but it's a good bonus for those who are eligible. http://www.doctorofcredit.com/capital-one-300-checking-200-money-market-bonus-available-nation...
by gvsucavie03
Fri Jul 14, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 329228

Re: What's Your Credit Card Rewards Strategy?

Penfed 5% gas card is done. I got mine just before they discontinued it. Maybe get a few rotating category cards and the Costco card?

Citi Double Cash is my catch-all
Amex Blue Cash Preferred Grocery 6%.
Chase Freedom 5% grocery because we spend more than $6000 at the grocery store.
by gvsucavie03
Wed Jul 12, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4039

Re: Bank Bonus Master List

Check out http://www.hustlermoneyblog.com/best-bank-bonuses-deals/ This is a fairly comprehensive list. Doctor of Credit has fantastic data on how to satisfy direct deposit requirements if you don't have it at work. Worked for me a few times already. Over $5,500 in bank bonuses since April of last y...
by gvsucavie03
Wed Jul 12, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4039

Re: Bank Bonus Master List

Delete
by gvsucavie03
Sun Jul 09, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by gvsucavie03
Sat Jul 08, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Drum sets
Replies: 12
Views: 1004

Re: Drum sets

Band Director here :wink: Many great suggestions here. If it is a quality set of drums, the old ones simply need replacement heads. Your money is spent on cymbals and a good snare with good snare guts. The shell (unless it is like a First Act), is probably not the issue. Maybe a hi-hat stand/cymbals...
by gvsucavie03
Sat Jul 08, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

jay22 wrote:
gvsucavie03 wrote:Got this bonus today, not in targeted area, Schwab brokerage acct helped trigger it. Easy $400.

How many days after the DD did it take?


June 30 - payroll $250
July 3 - Schwab $250 (with trial deposits)
July 5 - Schwab $250
by gvsucavie03
Fri Jul 07, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

Got this bonus today, not in targeted area, Schwab brokerage acct helped trigger it. Easy $400.
by gvsucavie03
Fri Jul 07, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by gvsucavie03
Fri Jul 07, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by gvsucavie03
Fri Jul 07, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by gvsucavie03
Thu Jul 06, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score much lower than expected: 711
Replies: 21
Views: 1327

Re: Credit score much lower than expected: 711

I checked my credit score a few days ago, out of curiosity. I expected to see something good. The last time that I checked was perhaps a year ago, and at that time my credit was just a few points away from the highest range. Now, my score has dropped to 711. During this last year, I paid off a mort...
by gvsucavie03
Wed Jul 05, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by gvsucavie03
Mon Jul 03, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1052065

Re: The Three-Fund Portfolio

I`m comfortable to do what Buffett and Bogle suggest and that is own the S&P 500 for Buffett and the Total Stock Market Index Fund suggested by Bogle. Both funds have earned almost exactly the same results over the long term. My proxy for a bond fund however is my monthly income from my pension...
by gvsucavie03
Thu Jun 29, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

tj218 wrote:Opened up an account does the old ING savings account (now Capital One) count as a DD? The doctorsofcredit link referenced a post on Fatwallet from 2009 as verification.


Read the Doctor of Credit data points. As always, YMMV.
by gvsucavie03
Tue Jun 27, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3469

Re: Consumer Reports Renewal (or not?)

I stopped subscribing a few years ago because I had followed their recommendations on some purchases, which turned out badly, there is now a lot of free information on the internet, which may be just as good or better, I didn't appreciate their political perspective on lots of issues that didn't se...
by gvsucavie03
Tue Jun 27, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3469

Re: Consumer Reports Renewal (or not?)

CR is useless nowadays. You get better info online for free. Also know that CR does not typically do tests on reliability, just function. The last appliance we had to replace was a top CR recommendation, a microwave, and it died 13 or 14 months from the date of purchase. Had I just relied on the in...
by gvsucavie03
Tue Jun 27, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3469

Re: Consumer Reports Renewal (or not?)

Munir wrote:I subscribe to and use their web site only and find it useful.


This could be more handy than the paper magazine. Thanks!
by gvsucavie03
Tue Jun 27, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3469

Consumer Reports Renewal (or not?)

I'm getting flooded with marketing mail and email from CR and I don't think I'm going to subscribe to them anymore. I submitted the necessary information for their recent sweepstakes and couldn't believe how much mail I was sent and how many times I was asked for money. I also took advantage of thei...
by gvsucavie03
Sun Jun 25, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Some banks also say you can't have more than one bonus per calendar year. Again, you have to read all fine print.
by gvsucavie03
Sun Jun 25, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

So, which bank bonuses are actually 'churnable'? Meaning you get the bonus and you can reapply for them? Is there a list kept by anyone? I have looked at doctorofcredit website already but did not find such a list. Thanks I believe that Chase is really churnable. you have to buy/get their coupon fi...
by gvsucavie03
Sun Jun 25, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

So, which bank bonuses are actually 'churnable'? Meaning you get the bonus and you can reapply for them? Is there a list kept by anyone? I have looked at doctorofcredit website already but did not find such a list. Thanks No list I've found. Dr. of Cr. may help.. Depending on your state... Huntingt...
by gvsucavie03
Sat Jun 24, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

So, which bank bonuses are actually 'churnable'? Meaning you get the bonus and you can reapply for them? Is there a list kept by anyone? I have looked at doctorofcredit website already but did not find such a list. Thanks No list I've found. Dr. of Cr. may help.. Depending on your state... Huntingt...
by gvsucavie03
Fri Jun 23, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Read the fine print - look for early closure fees. +1 to read the fine print. And I did. Capital one has no closure fees at all. A good summary: "Early account termination fee: None" http://www.doctorofcredit.com/capital-one-360-200-money-market-bonus-publicly-available-1-apy-requires-100...
by gvsucavie03
Fri Jun 23, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Read the fine print - look for early closure fees. +1 to read the fine print. And I did. Capital one has no closure fees at all. A good summary: "Early account termination fee: None" http://www.doctorofcredit.com/capital-one-360-200-money-market-bonus-publicly-available-1-apy-requires-100...
by gvsucavie03
Fri Jun 23, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Do banks blacklist people for doing things like that. Are you asking me or telling me? Fixed my typo. I was asking. I'm at close to $4,000 in checking bonuses since last April. No "blacklist," but I do read the fine print very carefully. PNC is the only bank that has denied me an account.
by gvsucavie03
Thu Jun 22, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

We opened 2 accounts, 1 for me 1 for my wife: Opened and funded each with $10K: 06/13 Balance was available to withdraw: 06/21 (I then transferred both amounts back to our Ally joint bank) $200 rewarded for each account+small interest: 06/22 (Transferring the money and closing the account) Easiest ...
by gvsucavie03
Thu Jun 22, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Just going back and forth with my Lake Michigan Credit Union account worked.
by gvsucavie03
Thu Jun 22, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Just going back and forth with my Lake Michigan Credit Union account worked.
by gvsucavie03
Thu Jun 22, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

Pranav wrote:
simplesimon wrote:I don't remember the last time I did something like this...is the bonus considered interest and therefore taxable?


Yes


Bank bonuses are taxable. Credit card bonuses and rewards are considered a rebate and thereby are not taxable.
by gvsucavie03
Wed Jun 21, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 7107

Re: HSAs and "Saving Medical Receipts"

I'm currently doing $250 in reimbursements saved since 2014. I'll report back on the progress/hassle. On first inspection, it would not be easy for my wife to do and some receipts are getting hard to read. Done. $250 back, just had to wait a few days to verify my checking account. Again, if my wife...
by gvsucavie03
Wed Jun 21, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 7107

Re: HSAs and "Saving Medical Receipts"

I'm currently doing $250 in reimbursements saved since 2014. I'll report back on the progress/hassle. On first inspection, it would not be easy for my wife to do and some receipts are getting hard to read. Done. $250 back, just had to wait a few days to verify my checking account. Again, if my wife...
by gvsucavie03
Tue Jun 20, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

However I keep my account open with a few dollars because bonuses at other banks (Chase, e.g.) are often triggered by DDs from CapOne, so I rationalize that CapOne chipped in. This is good to know. If I am to play the bank bonus game, I need a set of places qualifying as DD. Victoria Hustler Money ...
by gvsucavie03
Mon Jun 19, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

I'm in bank bonus purgatory right now... Glad I keep very detailed bank records, we have exactly $10,000 in available cash to do the $200 bonus by the 30th for my wife. Holding my breath right now for a week - no debit transactions allowed!! :greedy
by gvsucavie03
Fri Jun 16, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 71
Views: 9160

Re: Capital One $400 bonus for new checking account

Giving it a shot! I have a MM acct already and live in MI. Thanks for the info! The worst that can happen is it doesn't work, right?
by gvsucavie03
Thu Jun 15, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 7107

Re: HSAs and "Saving Medical Receipts"

I'm currently doing $250 in reimbursements saved since 2014. I'll report back on the progress/hassle.

On first inspection, it would not be easy for my wife to do and some receipts are getting hard to read.
by gvsucavie03
Thu Jun 15, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 4015

Re: Starting a Three-Fund Portfolio - which funds?

Target Retirement until you have the minimums saved up to split into the TFP. +1. Really, this is the only thing you can do with $2,000 since all other Vanguard funds have at least a $3,000 minimum. [well, the STAR fund has a $1,000 minimum as well but it's actively managed and has a higher You can...
by gvsucavie03
Wed Jun 14, 2017 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 118
Views: 14747

Re: Dealership rejecting rebate after contract signed

Hello bh world Sorry for the delay in updating. After attempting a couple of more times to talk with the sales guy to understand my options, I was annoyed by his flippant responses, and when he ended a conversation with "I will see how my gm wants to discuss other avenues of getting the car ba...
by gvsucavie03
Tue Jun 13, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

Right now I pay for internet/phone/cable together as a package. I was thinking of canceling the cable part and keeping phone and internet. Has anyone done this and opted for other means of watching your favorite shows? I know Amazon prime has shows and I'm not very up to date on other places to wat...
by gvsucavie03
Tue Jun 13, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

The 360 $200 bonus also does not require DD. Careful, though, you must have the $10,000 in total deposits done by June 30th.
by gvsucavie03
Tue Jun 13, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

I got mine without ever having $10,000 all at once. It is $10,000 in total deposits, so I literally transferred in and out of my Ally account.

All checking and MMA bonuses are taxable. Credit card rewards and bonuses are technically a purchase rebate and are thereby not taxable income.
by gvsucavie03
Tue Jun 13, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

Gamma Ray wrote:Hi everyone,
Can I open an account for myself, and another for my wife, and fund both accounts from same HSBC Checking account and get 2 x $200?

Thanks.


Haven't tried it, but you just rang my bell - I got my bonus last month and I haven't done one for my wife yet.
by gvsucavie03
Tue Jun 13, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 23935

Re: Capital One 360 $200 bonus

I am currently using AMEX (.9%) for my EF and thought about capturing this bonus and then move to Ally. Capital One said I did not qualify for the bonus and was unable to give a reason why. Ally needed to do a soft pull, and my wife's credit is frozen. Unless we unfreeze it, they cannot help us. Oh...
by gvsucavie03
Mon Jun 12, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5825

Re: Have you canceled cable?

Cut the cord over a year ago. Don't miss it. Phone went away, too.

Internet, Fire Stick, Netflix/Hulu subscription and 2 Tracfones are all we have.
by gvsucavie03
Mon Jun 12, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 4015

Re: Starting a Three-Fund Portfolio - which funds?

I recently had to make similar decision while opening a backdoor Roth at Vanguard. As others have correctly pointed out the target retirement fund of your choice is the simplest choice and will work just fine, especially if you like to be completely hands off. I chose the ETF version and came up wi...

Go to advanced search