Search found 1279 matches

by gvsucavie03
Wed May 23, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2622
Views: 498940

Re: What's Your Credit Card Rewards Strategy?

My credit card rewards strategy does not work. My son's: "Dad, you save money by not spending. " does. My inlaws: "Going broke saving money" is so true. Credit cards rewards is like picking up pennies in front of stream rollers. I learned my lesson with Fidelity 2% cash back card as well with Bank ...
by gvsucavie03
Tue May 22, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 12546

Re: Teachers: what are your best personal finance tips?

1) Move to the right of the salary schedule ASAP by taking credit courses. 2) Search out an education friendly state for your first job. Due diligence on desirable districts in that state will pay off. 3) Stay in that district unless things turn south. Moving outside of a state can be costly in ter...
by gvsucavie03
Sun Apr 22, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 7726

Re: What is a good flat rate cash back credit card?

Citi Double Cash was my first card and the default one I use. Many great reasons to use this one. I expanded to include the Penfed 5% gas (no longer offered), Amex Blue Cash Preferred 6% grocery, Chase Freedom 5% since we spend way more than $6K on groceries per year. Citi DC is essentially used for...
by gvsucavie03
Sun Apr 22, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3186

Re: Need to cut the cable cord - is there an alternative?

We cut the cord about 4 years ago. Don't miss it at all. Amazon Fire Stick + Netflix + HuluPlus was our mix until about a month ago. Just bought a Roku and subscribed to YouTube TV and it is great. Roku can use the YouTube App and it is much smoother compared to the Fire Stick. Charter was nearly $1...
by gvsucavie03
Mon Apr 02, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 14887

Re: Is anyone putting money aside into Gold?

I agree that gold will be worthless if we ever have an apocalyptic level event (plague, famine, nuclear war). But in my opinion so long as there exists any assets that could be described as materialistic (anything other than food, water, clothing, bullets) such as art, nice clothes, nice homes, and...
by gvsucavie03
Sat Mar 31, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: CD vs Savings account
Replies: 11
Views: 986

Re: CD vs Savings account

I use Lake Michigan Credit Union Max Checking. 3% up to a $15,000 balance - I mix my short-term savings into this account and just keep those categories on a separate tab in my spreadsheet. It requires 10 debit transactions, 4 online logins, direct deposit and estatements every month to get the 3% ...
by gvsucavie03
Sat Mar 31, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: CD vs Savings account
Replies: 11
Views: 986

Re: CD vs Savings account

I use Lake Michigan Credit Union Max Checking. 3% up to a $15,000 balance - I mix my short-term savings into this account and just keep those categories on a separate tab in my spreadsheet. It requires 10 debit transactions, 4 online logins, direct deposit and estatements every month to get the 3% d...
by gvsucavie03
Fri Mar 30, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144939

Re: Boglehead Beer

There is a special place in my soul for Two-Hearted... I made the mistake of having 3 in one evening and had a pretty bad hangover. As I get older, I've noticed the hoppier beers really hurt me the next day. I think research contributes it to the hop oils. My hangover basically consists of feeling ...
by gvsucavie03
Fri Mar 30, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144939

Re: Boglehead Beer

Anything from Founders, Bells, Three Floyds, Half Acre, Toppling Goliath, Karben4, Deschutes, Rogue, Ten Barrel, Alaskan Brewing, Spotted Cow, Great Lakes, Ale asylum, Goose island........too many to mention! My all time favorite is two hearted ale from Bells. $10 a six pack but I can brew it for $...
by gvsucavie03
Thu Mar 29, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144939

Re: Boglehead Beer

Anything from Founders, Bells, Three Floyds, Half Acre, Toppling Goliath, Karben4, Deschutes, Rogue, Ten Barrel, Alaskan Brewing, Spotted Cow, Great Lakes, Ale asylum, Goose island........too many to mention! My all time favorite is two hearted ale from Bells. $10 a six pack but I can brew it for $...
by gvsucavie03
Wed Mar 28, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144939

Re: Boglehead Beer

I had a Frankenmuth Brewery Red and it I was quite tasty. My wife had a coffee stout and, although not my favorite type of beer, it was quite tasty as well.
by gvsucavie03
Mon Mar 26, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1406266

Re: U.S. stocks in freefall

A day is just a day. It just is. Good or bad is relative. Yup, had a very large investment decision to make among a group (family trust agreement). Final agreement was made on Saturday, buy orders placed then and there over the weekend... We were kind of hoping for another RBD, but instead had to b...
by gvsucavie03
Sun Mar 11, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144939

Re: Boglehead Beer

Had some Sam Adams Cold Snap last night... very tasty.
by gvsucavie03
Wed Mar 07, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: $150K to invest
Replies: 12
Views: 1774

Re: $150K to invest

Scott S wrote:
Wed Mar 07, 2018 12:23 am
With a $50k emergency fund, I'd just throw the whole $150k into VTSAX and call it a day. :sharebeer
At this stage being the same age as the OP, I'd do this or put a huge chunk down on a great house so I could rent out the condo.

Congrats on your success!
by gvsucavie03
Tue Mar 06, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: $150K to invest
Replies: 12
Views: 1774

Re: $150K to invest

Rental real estate?
by gvsucavie03
Sat Feb 24, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 3919

Re: Fast IRS refund

What did you use?
by gvsucavie03
Wed Feb 21, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

CardinalRule wrote:
Wed Feb 21, 2018 2:05 am
One of my favorite Quicken downloads ever. Loved the quick fulfillment on this deal. :happy

Image
Yes! :moneybag
by gvsucavie03
Wed Feb 21, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

moneywise3 wrote:
Wed Feb 21, 2018 5:10 am
gvsucavie03 wrote:
Sat Feb 03, 2018 11:24 pm
From what I understand, Capital One bonuses are once in a lifetime, correct?
That's still true. I got a $50 bonus 13 years ago 😁😁
Ouch. We made $1,100 last year in Cap One bonuses.
by gvsucavie03
Wed Feb 21, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

Bank bonuses are definitely easier than CC bonuses, and they don’t involve a credit check (usually just a soft pull). Info about the rare cases where a hard credit check is used is available at Doctor of Credit, so those bonuses are easy to avoid. And the 1099-INT that’s generated by a bank bonus i...
by gvsucavie03
Tue Feb 13, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

I signed up for the bonus. I was happy that I did not have to unfreeze my credit for a soft pull. I am guessing that this is because I already had a relationship with Capital One - a Quicksilver credit card. I was directed to logon with my Quicksilver credentials when applying for the bonus. If it ...
by gvsucavie03
Mon Feb 05, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course? Edited to Staying the course!
Replies: 22
Views: 2353

Re: Stay the course?

You shouldn't be investing if one correction spooks you that much. Get the emotions in check, accept that drops will happen, set your Investment Policy Statement, and come back with more realistic expectations. Some people on this forum have lost tens of thousands of dollars today and will stick it ...
by gvsucavie03
Mon Feb 05, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

Are folks not concerned about 1099 they will receive next year? To me this is always a big issue when signing up for any bank bonuses for opening accounts, I prefer to stay with credit card rewards. The award money after you factor in taxation is lesser than the number. I opened a CapitalOne 360 ac...
by gvsucavie03
Mon Feb 05, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

I got the KeyBank mailer. One restriction that I noted regarding what qualifies as a direct deposit - it is limited to “payroll, Social Security, pension, and government benefits.” I had a KeyBank checking account a couple of years ago, but I would qualify because I have not had a KeyBank account i...
by gvsucavie03
Sat Feb 03, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8138

Re: Capital one 360 money market New $500 bonus

From what I understand, Capital One bonuses are once in a lifetime, correct?
by gvsucavie03
Wed Jan 24, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 33195

Re: Capital One 360 $200 bonus (and now $300 checking bonus)

Update: Just came across comments on Doctor of Credit with other people reporting the same issue. Based on their chat with customer service, sounds like it was in fact an accounting error and corrected 1099-INTs should be issued in February. Hopefully that will automatically happen for everyone reg...
by gvsucavie03
Thu Jan 18, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 2052

Re: Lets talk about some favorite index funds?

Vanguard Total Stock Market.

Vanguard Target Retirement funds to get started.
by gvsucavie03
Thu Jan 18, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 48
Views: 6096

Re: which Brokerage do you use...why?

I had TD Ameritrade taxable for the commission-free Vanguard ETF's, but after they dumped Vanguard, I transferred it to Vanguard, so now it's all there.
by gvsucavie03
Thu Jan 18, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2622
Views: 498940

Re: What's Your Credit Card Rewards Strategy?

I have been debating pursuing a simple strategy (Alliant Visa 3%/2.5% Cash Back + Amazon 5%) -> or going full bore after the sign up bonuses/churning. Have you had a good experience with Alliant? I have the fidelity visa 2%. Considering making the switch for primary spend. I may do a blend of the t...
by gvsucavie03
Sun Jan 14, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 11907

Re: Dave Ramsey's Millionaire Study

Oversoul wrote:
Sun Jan 14, 2018 8:52 pm
gvsucavie03 wrote:
Sun Jan 14, 2018 8:50 am
I'll guess 10 more posts and this thread will shut down. About as predictable as the results of his faux millionaire study.
Don't be so sure.
Ignorance and ill informed rhetoric reign supreme.
DR threads shut down pretty quick. Moving on...
by gvsucavie03
Sun Jan 14, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 11907

Re: Dave Ramsey's Millionaire Study

The Dave Ramsey discussion here almost always boils down to: His personal finance advice is or has been genuinely helpful to many people including many Bogleheads; His investing advice is crap. And a lot of us found Bogleheads because of DR. Still, we have fantastic research already. Not sure why D...
by gvsucavie03
Sun Jan 14, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9495

Re: Aug. 2017 US total eclipse hotel reservations.

Curious how all of the eclipse hoopla turned out... were roads "packed for days" as stated earlier in the thread? It took several hours to go from Gallatin, TN on back roads back to I-65 in southern KY, but it was nearly a clear sail after except for some heavy construction traffic south of Louisvil...
by gvsucavie03
Sun Jan 14, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 11907

Re: Dave Ramsey's Millionaire Study

I'll guess 10 more posts and this thread will shut down. About as predictable as the results of his faux millionaire study.
by gvsucavie03
Sun Jan 14, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 11907

Re: Dave Ramsey's Millionaire Study

I believe our time can be spent on better things. I stopped listening to Dave around Thanksgiving (listener since '09). I just couldn't swallow his slanted beliefs and financial stubbornness to what he swears is the truth. I'm doing fine with a couple credit cards and my index funds and I thoroughly...
by gvsucavie03
Thu Dec 28, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 14887

Re: Is anyone putting money aside into Gold?

Gold is pretty to look at and hold in one's hands. At least that's the only reason for owning gold concluded by all the gold bugs who participated in this very recent gold thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=233083 I think that is a slight oversimplification. Besides those ...
by gvsucavie03
Tue Dec 26, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Any Target Date Funds better than Vanguard?
Replies: 46
Views: 5328

Re: Any Target Date Funds better than Vanguard?

As far as Target Date Funds, Vanguard seems to keep it simple. Other fund families seem to slice and dice them to death and put everything in them but the kitchen sink. However, I don't like the way Vanguard has changed these over the years. Because of that, I don't think they are a good one fund s...
by gvsucavie03
Mon Dec 18, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5728

Re: When to move into bonds

Ben Graham would have recommended you make the move a long time ago. He said that the default position should be 50/50 and that everyone should be somewhere between 75/25 and 25/75. We just all think we know better. +1 Old Ben was a wise man. He also was a strong advocate of stock picking too. It s...
by gvsucavie03
Sat Dec 16, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5728

Re: When to move into bonds

I am 61 and at 50/50. I don't want to lose a lot if stocks go down and stay down. And this year at 50/50. I have still done avout 13% return. My portfolio still has enough stocks to grow. Last thing -'don't be greedy - realize you are at a point in life where you need to preserve too. +1 I could no...
by gvsucavie03
Fri Dec 15, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Hire CPA or file my own taxes?
Replies: 12
Views: 1231

Re: Hire CPA or file my own taxes?

I assume you plan to rent at least part of the duplex. In that instance, I recommend hiring a CPA for this year only. A CPA can assure that you take advantage of legitimate deductions, property depreciation, expenses, etc. The hardest part of taxes is dealing with something new and complex like you...
by gvsucavie03
Fri Dec 15, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5265

Re: Wow. Just Wow.

This was a major sticking point for changing our 403(b)... the PR with the vendors in our small town - EJ and another local that has grown considerably.

We did add Vanguard, but kept the commercial companies. The gravitational pull is very strong with corporate America.
by gvsucavie03
Tue Dec 05, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio - Retirement income as the bond allocation?]
Replies: 13
Views: 1383

Re: [Three fund portfolio - Retirement income as the bond allocation?]

I am 100% in stocks and have been for several years. I haven't found 8% to be unreasonable. I want to stay ahead of MRD and inflation. I road out 2008 without bailing. If I went with the conventional wisdom and had 70% in bonds what could I expect as a return? https://personal.vanguard.com/us/insig...
by gvsucavie03
Tue Dec 05, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio - Retirement income as the bond allocation?]
Replies: 13
Views: 1383

Re: [Three fund portfolio - Retirement income as the bond allocation?]

S.S. and other "guarantees" are not necessarily a guarantee. Neither is the stock market. I would not compartmentalize the income sources as risk-free. Stay diversified. I'd even consider TIPS.
by gvsucavie03
Mon Nov 27, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5732

Re: Inheriting a large sum, slightly intimidated.

Congrats on the windfall, and yes, you are absolutely in the right place to ask what to do. Some good advice so far. I would not go 100% stock. You have no need to assume that much risk. You have a high statistical chance of blowing this money. Wait 6 months or a year. Do. Nothing. Now.... It's easy...
by gvsucavie03
Wed Nov 22, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deposit money into my HSA account, if I go on this PPO plan?
Replies: 3
Views: 613

Re: Can I deposit money into my HSA account, if I go on this PPO plan?

alpha423df wrote:
Wed Nov 22, 2017 5:45 pm
Oh. ok.. thanks for the clarification..

Didnt see that a high deductible plan also has to "cover nothing except preventive care until that deductible is met, and have an out-of-pocket maximum."

Then my plan is not qualified..

Some PPO's are HDHP's...
by gvsucavie03
Mon Nov 20, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15924

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Jags4186 wrote:
Mon Nov 20, 2017 9:07 pm
LEB1230 wrote:
Mon Nov 20, 2017 8:59 pm
Jags4186 wrote:
Mon Nov 20, 2017 4:29 pm
I certainly save more than Dave Ramsey recommends
What does he recommend?
15%
Until house is paid off
by gvsucavie03
Mon Nov 20, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15924

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Citation please? I'm not trying to be a jerk. I did some Googling and I could find a large number of studies showing that people buy more with plastic, but I didn't see any that seemed to break it down by "financial literacy". To be honest, from what I know about psychology and behavioral economics...
by gvsucavie03
Mon Nov 20, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15924

Re: Dave Ramsey says don't use credit cards, even if you pay them off

DR's audience are middle class and working class Americans who have little to no financial literacy. Among much of this group, research has indeed shown that people will spend more if using a credit card instead of hard cash simply because it's easier for them to see how much money they have and ar...
by gvsucavie03
Sun Nov 19, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15924

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Thanks for the great responses so far. I enjoy hearing everyone's take on this. One thing I tell myself when trying to justify credit card use vs paying cash that goes above and beyond the rewards points argument is that since everyone is paying with credit cards these days, retailers are forced to...
by gvsucavie03
Sun Nov 19, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15924

Re: Dave Ramsey says don't use credit cards, even if you pay them off

A few months ago, Dave called index investors dummies for falling for the passive strategy. He said that if you can't find someone that can beat the market, you're doing it wrong and it's your own fault. He then proceeded to recommend one of his preferred providers. I found this offensive. I stoppe...
by gvsucavie03
Sun Nov 19, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15924

Re: Dave Ramsey says don't use credit cards, even if you pay them off

And we've gotten a couple thousand dollars this year in sign-up bonuses and rewards. It is a somewhat lucrative hobby (along with checking bonuses).