Search found 1327 matches

by gvsucavie03
Sat Sep 22, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Sports fan trying to cut cable
Replies: 9
Views: 274

Re: Sports fan trying to cut cable

YouTube TV is local only plus many cable networks including NBC SN, ESPN and many others. It may or may not be what you are looking for. We like it, but network TV is local channels only. I also have a livestream app on my Amazon Fire stick. It requires a mouse app interface on the Fire Stick remote...
by gvsucavie03
Thu Sep 20, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another mortgage repayment thread..
Replies: 30
Views: 2051

Re: Another mortgage repayment thread..

Pay it off. If you don't like that, you can always take out a new mortgage. I know, I know... the OP's interest rate is lower than they currently are now.... There is no guarantee future dollars (inflation) will go beyond the interest rate. The asset appreciates regardless of having borrowed or paid...
by gvsucavie03
Tue Sep 11, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses (both of which are generally more lucrative). I keep a spreadsheet with information about when to open/close account...
by gvsucavie03
Mon Sep 10, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

Jags4186 wrote:
Mon Sep 10, 2018 8:05 pm
uberdoc wrote:
Mon Sep 10, 2018 7:56 pm
Is that for real?
Yes... you can do your own research if you’d like. The IRS has stated all credit card rewards are considered rebates not income.
+1
by gvsucavie03
Thu Sep 06, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

We have $10,000 sitting in an online savings account , earning 1.85%. This is our starter emergency fund. Citi has an offer where if you open a new checking account and keep $5000 of new money in for 60 days, they will give you $200. I was thinking of doing that for both my wife and I. That would g...
by gvsucavie03
Tue Sep 04, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I almost exclusively apply for credit cards WITH fees. The bonuses tend to be much better. Instead of $200 cash back for a card with no fee, you might be able to earn $1000 in travel if you get a card with a $95 annual fee. A year later, you can close the account or downgrade the card to one withou...
by gvsucavie03
Mon Sep 03, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

From the BH wiki: https://www.bogleheads.org/w/images/1/11/US-International.png Perhaps that should be updated? Either way, there wasn’t a marked difference in risk/return for holding anywhere from 20 to 50% international. It’s reasonable to assume that holding anywhere in that range for the future...
by gvsucavie03
Mon Sep 03, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I prefer brokerage bonuses because I really don't keep a lot of cash around and what I do I want in my checking so I don't have to worry about having enough to cover draws. Also some brokerage bonuses you can get in Roth, which is always nice. As always, more information: https://www.bogleheads.org...
by gvsucavie03
Mon Sep 03, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

My cutoff for credit card bonus: $200 for no annual fee $500 for annual fee with first year waived I am not at the level of paying annual fee to grt bonus yet. I don’t do checking accounts bonuses but readily do high yield savings bonus. I just signed up for the BOA Premier Rewards... $500 bonus wi...
by gvsucavie03
Mon Sep 03, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I'm happy to pay more taxes because it means I made more money. Not all report it either...

This is a fun, lucrative hobby. I wouldnt let $10,000 sit making 1%...
by gvsucavie03
Mon Sep 03, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I prefer credit card bonuses over bank account bonuses. The former aren't taxable, doesn't require a deposit to make and get back, and unless you're going after cards with annual fees, you don't have to worry about getting hit with account fees. If you're going to open an account with Wells Fargo, ...
by gvsucavie03
Mon Sep 03, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I don't know about your specific offer, but these seem to usually require direct deposit, which (in addition to the taxes things) is too much trouble for my taste And or can be impossible! My husband and I have no way to do it at all. I have debated having $1.50 of my.moms ss check but that never s...
by gvsucavie03
Mon Sep 03, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

I don't know about your specific offer, but these seem to usually require direct deposit, which (in addition to the taxes things) is too much trouble for my taste And or can be impossible! My husband and I have no way to do it at all. I have debated having $1.50 of my.moms ss check but that never s...
by gvsucavie03
Mon Sep 03, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5058

Re: $200 cash bonus offer from Citi

My wife and I are at $4,700 so far this year in bank bonuses and probably another $2,000 in cc bonuses. Chase is ridiculously easy. Easy $300 each about every 9 months. Capital One showered us in about $1,100 last year. CO is/was once per lifetime. Doctor of Credit is the foremost authority and an e...
by gvsucavie03
Mon Sep 03, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

- You have acknowledged 100% US as a bet (and I realize that's not your allocation). Does it follow that any deviation from world cap is a bet? Any investment is a gamble. The severity is the discussion at hand. There are no guarantees, only theory based on what has happened in the past. I think th...
by gvsucavie03
Mon Sep 03, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

US only investors don’t care what others do. Global cap investors argue that everyone *should* invest as they do. I don't know about that. This was said way back on page 9 of this thread: 9 pages in. I have to ask. Has a single person changed their position having read or participated in this threa...
by gvsucavie03
Mon Sep 03, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Lastly, past performance is no indicator of future. Maybe the US will reign forever. There is a chance it will not and no one knows for certain. The other countries whose markets collapsed weren't some dinky 3rd world countries. They were major players on the world stage. If past performance is not...
by gvsucavie03
Mon Sep 03, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Lastly, past performance is no indicator of future. Maybe the US will reign forever. There is a chance it will not and no one knows for certain. The other countries whose markets collapsed weren't some dinky 3rd world countries. They were major players on the world stage. If past performance is not...
by gvsucavie03
Mon Sep 03, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Emerging theme in this thread (and a sentiment, which wasn’t particularly noticeable on BH even a year ago): US only investors don’t care what others do. Global cap investors argue that everyone *should* invest as they do. I can think of a number of seemingly unnecessary investment choices (crypto ...
by gvsucavie03
Mon Sep 03, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 830
Views: 153983

Re: Boglehead Beer

I am amused that PBR has come back as a niche "In Beer" It does seem to have taken on new life as the beer of choice for hipsters, or at least it did a few years ago. I suspect it's as much if not more of a novelty/ironic thing as it is that they actually enjoy drinking it. My wife and I are 33/37 ...
by gvsucavie03
Sun Sep 02, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9544

Re: What is your stealth way to save monthly?

After regular IRA contributions, our extra $ each paycheck gets split 3 ways - grow a non-retirement brokerage (all VTI), short-term savings and continually growing an emergency fund.
by gvsucavie03
Sat Sep 01, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2757

Re: Best Checking Account?

I like Capital One 360 checking. It has fast, usually same day deposit of checks and ACH transfers. My wife and I use it for joint checking. +1 --> I have used it for a year or so and I like it. Some Bogleheads gripe about their website and not having a TOD option. The website is fine with me and t...
by gvsucavie03
Sat Sep 01, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

https://static.seekingalpha.com/uploads/2014/1/26/saupload_Callan-Period-Table-of-Investment-Returns-1994-2013.png Sorry if this was posted earlier. This is 20 years if data from 1994-2013. I'm not trying to cherry-pick data, it was a quick Google search for "Callan 20 years." Winners are all over ...
by gvsucavie03
Sat Sep 01, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3096

Re: Piano for a child

Band Director here: As soon as we got a real piano (after getting rid of the keyboard that can scream and make gunshot sounds), my daughter started practicing much more seriously and her singing was also much more in tune. I think there is something to be said about practicing with an acoustic instr...
by gvsucavie03
Sat Sep 01, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3096

Re: Piano for a child

Pacman wrote:
Thu Aug 30, 2018 1:56 pm
You can likely get a free piano on craigslist, if you can find a way to transport it out of the person's home. You will have to pay money to get it tuned though.
This is how we got ours. Works great!
by gvsucavie03
Sat Sep 01, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81845

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Recency bias is strong with this thread... -Yoda I guess the last 117 years can be considered "recency" if you are a paleontologist, but the dinosaurs didn't have a stock market as far as we know. I'm still skittish over the panic of 1792. In that case, throw in the towel on bonds while we are at i...
by gvsucavie03
Sat Sep 01, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2210

Re: Installing a new toilet - shut off valve and wax ring

Hello, We're in the process of replacing our older toilets and would like to get some guidance. (1) Since we're changing everything, is it worthwhile to change the shut off valve also. Why wouldn't you? if its one of these football types (see pic), I've found they fail w/in 5-10 years. many have pl...
by gvsucavie03
Sat Sep 01, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2210

Re: Installing a new toilet - shut off valve and wax ring

neilpilot wrote:
Tue Aug 28, 2018 10:44 am
wmackey wrote:
Tue Aug 28, 2018 10:41 am
For the valve, leave it alone unless it starts leaking. You run a small risk of damaging the pipe in changing in out and why spend money you don't have to. As for the ring, I've always used the wax seal. They are cheap and work.
+1
+2
by gvsucavie03
Fri Aug 31, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2757

Re: Best Checking Account?

I haven't had a brick and mortar bank in several years. Lake Michigan Credit Union pays 3% on balances up to $15,000 as long as you do direct deposit, login 4 times a month, 10 debit transactions and use estatements. Decent app, they refund up to $15 in foreign atm fees per month, too. They don't of...
by gvsucavie03
Tue Aug 28, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2562

Re: Streaming TV services

YouTube TV picked up more channels, too. Plus you can DVR a lot of shows in the cloud. We like it a lot.
by gvsucavie03
Mon Aug 27, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2562

Re: Streaming TV services

We cut the cord about 4-5 years ago and haven't looked back. We have Hulu and Netflix and this summer we got YouTube TV and really enjoy it, especially with the Roku.
by gvsucavie03
Fri Aug 24, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay off Student Loans
Replies: 40
Views: 2106

Re: Invest or Pay off Student Loans

We were up to our armpits in debt in 2001. I took jimb’s advice from a post in the early 2000’s and contributed to my TSP before paying down student loan debt (despite Dave Ramsey’s advice to pay off debt first at all costs), and today I have a cool million socked away in retirement savings despite...
by gvsucavie03
Wed Aug 22, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay off Student Loans
Replies: 40
Views: 2106

Re: Invest or Pay off Student Loans

Pay off debt. You have a great income and it won't take long. We don't regret it, you won't either.
by gvsucavie03
Sun Aug 19, 2018 7:44 am
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 2248

Re: Mutual Funds vs. ETF's

I'm not sure why anyone would prefer mutual funds unless they were looking for some sort of managed fund. ETFs are all I buy now. Mutual funds are simpler, no spreads, discounts/premiums, or order execution issues to concern yourself with. I have never bought an ETF and don't intend to. Since I am ...
by gvsucavie03
Thu Jul 19, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2793
Views: 558605

Re: What's Your Credit Card Rewards Strategy?

Think my credit card gaming is going to get tough. Got this prompt from American Express.... http://i66.tinypic.com/24mdy55.png At least they didn't have me submit it first knowing they wouldn't give me the bonus! This also happened with Capital One. Excellent credit but they're seeing all those op...
by gvsucavie03
Sat Jul 14, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2793
Views: 558605

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: 2800

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: 2800

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: 5328

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: 7606

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: 7606

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: 1224

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: 1224

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: 1823

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: 1823

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: 3308

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: 702

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: 2793
Views: 558605

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: 13821

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...