Search found 1291 matches

by gvsucavie03
Sat Jul 14, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 531388

Re: What's Your Credit Card Rewards Strategy?

I just received a targeted application for Amex Premier Rewards Gold Card.50K signup bonus. I used to have this card, and cancelled over a year ago. My recollection is that Amex has a once in a lifetime policy for a bonus card, but I don't see that language in the T&C. Does this mean I can apply an...
by gvsucavie03
Sun Jul 08, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Isn't Taking in as Much Money; Neither Is Anyone Else
Replies: 8
Views: 2709

Re: Vanguard Isn't Taking in as Much Money; Neither Is Anyone Else

linenfort wrote:
Sun Jul 08, 2018 10:51 am
gvsucavie03 wrote:
Sat Jul 07, 2018 6:46 am
because market returns for the first half of 2017 were 3-4x greater than the first year of 2018.
How many years in 2018 again? :confused
:wink:
Thanks
by gvsucavie03
Sat Jul 07, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Isn't Taking in as Much Money; Neither Is Anyone Else
Replies: 8
Views: 2709

Re: Vanguard Isn't Taking in as Much Money; Neither Is Anyone Else

Did you read the rest of the article? It's probably because market returns for the first half of 2017 were 3-4x greater than the first year of 2018. People tend to buy when the market is hot.
by gvsucavie03
Fri Jul 06, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5023

Re: How do normal people afford the Bay Area?

Are you asking for personal reasons?
by gvsucavie03
Wed Jun 27, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7162

Re: Are we just way over complicating this?

If you want to talk about overcomplicating, look over at the credit card rewards strategy thread....
by gvsucavie03
Wed Jun 27, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7162

Re: Are we just way over complicating this?

Yes. An all-in-one is perfect. Now to determine which one.... :twisted:
by gvsucavie03
Tue Jun 26, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: First time doing a big sell
Replies: 5
Views: 1178

Re: First time doing a big sell

Happy birthday. It is also mine today. Yes you can automatically contribute to the settlement fund and from there buy ETFs. You could also continue to auto invest in the target fund so that you'll have the money invested close to how you want it in case you don't want to manage it every month. Or, ...
by gvsucavie03
Tue Jun 26, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: First time doing a big sell
Replies: 5
Views: 1178

First time doing a big sell

IRA is 5-figures (which is big in my world)... Today is my birthday and I wanted to sell/exchange my shares of VTIVX (TR 2045) inside of my IRA. This was a "get me started" fund that I now want to sell and purchase shares of VTI, VXUS and BND separately inside of my IRA (TFP). This is all spelled ou...
by gvsucavie03
Mon Jun 25, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Settling Consumer Debt
Replies: 30
Views: 1648

Re: Settling Consumer Debt

Yes, thanks. So, indeed I do have a retirement account that I was just discussing in another thread. Veered off into different territory so I started a new thread. So I will be able to cash out at least part of it to help with my expenses. I could pay it from there. But the other option the credit ...
by gvsucavie03
Mon Jun 25, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Settling Consumer Debt
Replies: 30
Views: 1648

Re: Settling Consumer Debt

Yes, thanks. So, indeed I do have a retirement account that I was just discussing in another thread. Veered off into different territory so I started a new thread. So I will be able to cash out at least part of it to help with my expenses. I could pay it from there. But the other option the credit ...
by gvsucavie03
Sun Jun 24, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3120

Re: Compliments for Vanguard?

No complaints here, either. A small glitch this spring was quickly taken care of and getting a human on the phone is quick and painless. I will continue being a happy customer.
by gvsucavie03
Thu Jun 21, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: what to do with my heavy cash position
Replies: 8
Views: 656

Re: what to do with my heavy cash position

CD ladder(s)
Maximize a hi yield checking account (LMCU is 3% up to $15,000)
Competitive MMA
Short-term bond funds (probably my last choice)
by gvsucavie03
Wed May 23, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 531388

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: 13285

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: 8992

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: 3501

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: 15801

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: 1105

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: 1105

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: 147360

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: 147360

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: 147360

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: 147360

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: 6683
Views: 1449781

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: 147360

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: 1858

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: 1858

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: 4043

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: 8493

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: 8493

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: 8493

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: 8493

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: 2478

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: 8493

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: 8493

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: 8493

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: 35201

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: 2311

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: 6192

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: 2713
Views: 531388

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: 12459

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: 12459

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: 9770

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: 12459

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: 12459

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: 15801

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: 5543

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: 6002

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: 6002

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...