Search found 1217 matches

by gvsucavie03
Sun Sep 03, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 325
Views: 30232

Re: Michael Kitces 4% rule podcast on Madfientist

5% of current balance also passes the Retirement Calculator from Hell backtest. Basically, use common sense. In feast, you can withdraw more. In famine, less.
by gvsucavie03
Sun Sep 03, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?
Replies: 16
Views: 1061

Re: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?

I never use the W-4 worksheet. I just run my taxes at the current trajectory, especially at the start of a new school year, to see if adjustments need to be made. I went from 8 exemptions to 6 to finish 2017 due to larger wages starting in Sept plus a lot of taxable interest due to bank bonuses. irs...
by gvsucavie03
Sun Sep 03, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 1885

Re: How old were you when you got your first credit card?

34, paid off student loans and we were saving to buy a house, the card helped strengthen our credit score/ history.

2 years and 5-6 cards later, still never late or paid a penny in interest. We've enjoyed quite a bit in signing bonuses and rewards.
by gvsucavie03
Tue Aug 22, 2017 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

From the link: "IF YOU DID NOT RECEIVE AN EMAIL OR MAIL PIECE DIRECTLY FROM CAPITAL ONE 360 WITH THE ABOVE CODE, YOU ARE INELIGIBLE FOR THIS BONUS OFFER." This is very important. I made the mistake of opening a Capital One 360 money market account, thinking I'd get the $200 bonus, but I didn't read...
by gvsucavie03
Sat Aug 19, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

I've found the data points on Doc's website to be (literally) very valuable. My wife doesn't have direct deposit, but she's gotten several thousand dollars in bonuses in the last 18 months.
by gvsucavie03
Sat Aug 19, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

Banks are changing all the time, many cracking down on bonus chasers, so as always, YMMV.
by gvsucavie03
Sat Aug 19, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

Here is a list of what types of transfers have been reported by end users as qualifying for Direct Deposit: http://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360 What do all those numbers mean? Does that mean a simple bank transfer counts as direct d...
by gvsucavie03
Sat Aug 19, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

Schwab brokerage triggered both mine and my wife's.
by gvsucavie03
Sat Aug 19, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

I missed the $400 offer, but opened a Capital One 360 checking account in July based on the $300 offer. I have so far made ACH transfers for between $255 and $455 each of 2 x Paypal, 1 x BoA Checking, and 2 x Vanguard. Still no bonus. Following this thread, I was certain that the second Vanguard tr...
by gvsucavie03
Sat Aug 19, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

I'm super bitter that I use CapOne 360 as my main bank lol. They often have high sign up bonuses that are relatively easy to trigger, but I'm always excluded because I signed up years ago for maybe $100? Can't remember exactly what it was now. They are a pretty good bank overall, though. Cap One AC...
by gvsucavie03
Sun Aug 13, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7248

Re: Dave Ramsey spends two segments on his investing advice

I'll chime in before the advisory board shuts down this latest DR thread... Is Bogle or DR investing advice better... no one knows. 100% stocks till death is likely to have more $ in retirement than age in bonds or -10, -15, etc. You will lose a fortune in fees with the DR plan and also have much hi...
by gvsucavie03
Sun Aug 13, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7248

Re: Dave Ramsey spends two segments on his investing advice

It's always been my policy that if your net worth is below zero, listen to Dave Ramsey, and if it's above zero, listen to Bogleheads. Someone could have a house valued at $300,000 and $100,000 in credit card debt and they would have a net worth above zero, but I would still recommend that they list...
by gvsucavie03
Sun Aug 13, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7248

Re: Dave Ramsey spends two segments on his investing advice

Tamalak wrote:
Sun Aug 13, 2017 9:30 am
It's always been my policy that if your net worth is below zero, listen to Dave Ramsey, and if it's above zero, listen to Bogleheads.
Good one!
by gvsucavie03
Thu Aug 10, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7688

Re: Aug. 2017 US total eclipse hotel reservations.

Na, traffic may be somewhat heavier, but nothing detrimental. No need to worry.
by gvsucavie03
Thu Aug 10, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7688

Re: Aug. 2017 US total eclipse hotel reservations.

Also, 2024 is supposed to be even better. I will be enjoying both. I'll be traveling for both. And in 2099 there'll be another total eclipse, passing right over my house grave. I won't have to travel for that one. :( Yup, I'll either watch from my rocker at age 118 or I'll have to miss that one...
by gvsucavie03
Tue Jul 25, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

Re: Capital One $400 bonus for new checking account

This was a strange one for me. I opened this account with the promo code for me and my wife on 6/28 (not targeted; we are in CA). On 7/6, I made two $251 transfers to both accounts from my Ally account. On 7/9, I made two $251 transfer to both accounts from my CU account $400 was posted to my accou...
by gvsucavie03
Sat Jul 22, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15338

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: 108
Views: 15338

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: 108
Views: 15338

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: 1839
Views: 1102134

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: 1839
Views: 1102134

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: 25776

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: 2129
Views: 370450

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: 4264

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: 4264

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: 25776

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: 1087

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: 108
Views: 15338

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: 108
Views: 15338

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: 25776

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: 25776

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: 25776

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: 1421

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: 25776

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: 1839
Views: 1102134

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 and...
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: 25776

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: 3857

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: 3857

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: 3857

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: 3857

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: 25776

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: 25776

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: 25776

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: 25776

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: 25776

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" m Some banks also pull the bonus if you close the account too early. Read everything carefully including t...
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: 25776

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" m Some banks also pull the bonus if you close the account too early. Read everything carefully including t...
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: 25776

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: 25776

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: 25776

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: 25776

Re: Capital One 360 $200 bonus

Just going back and forth with my Lake Michigan Credit Union account worked.