Search found 1349 matches

by gvsucavie03
Sat Dec 15, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 52
Views: 2785

Re: Adult Games / Board Games - Recommendations

gvsucavie03 wrote:
Sat Dec 15, 2018 7:26 pm
Another vote for Settlers of Catan and Jackbox TV. Cards Against Humanity is also pretty fun.
Specifically Quiplash mixed with alcohol... that's a fun night!
by gvsucavie03
Sat Dec 15, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 52
Views: 2785

Re: Adult Games / Board Games - Recommendations

Another vote for Settlers of Catan and Jackbox TV. Cards Against Humanity is also pretty fun.
by gvsucavie03
Sun Dec 09, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11848

Re: 20M Inheritance - What is best option for small/no risk on principal?

In the grand scheme of things, $20M is really not a lot. To a middle class individual it seems like a mint. What a ridiculous statement that unfortunately colors the credibility of anything else said. It's a huge responsibility, that was my point. $20M is nothing if you squander it in 5 years.
by gvsucavie03
Sat Dec 08, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11848

Re: 20M Inheritance - What is best option for small/no risk on principal?

In the grand scheme of things, $20M is really not a lot. Your scheme must be a lot grander than mine. Or that of anyone I know. Or anyone they know. To a middle class individual it seems like a mint. Oh, got it. Again, the main point was that it can be $20, $20k or $20M and it can be squandered if ...
by gvsucavie03
Sat Dec 08, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11848

Re: 20M Inheritance - What is best option for small/no risk on principal?

Nate79 wrote:
Sat Dec 08, 2018 9:13 am
Only on BH would someone say $20M is not a lot. It would put someone well into the 99.5+% percentile of net worth in the US.
How many lotto winners squander their winnings in the blink of an eye? $20M can be a blessing or a huge regret.
by gvsucavie03
Sat Dec 08, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 45
Views: 3542

Re: options to cover next 10 years before SS

I really don't think it's a great idea to burn 11.5% per year and expect the rest to go perfectly as planned. This is dumber than the Dave Ramsey 8% WR notion. There is no guarantee that any investment will make a real return after 10 years which is the assumption being made here.
by gvsucavie03
Sat Dec 08, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11848

Re: 20M Inheritance - What is best option for small/no risk on principal?

In the grand scheme of things, $20M is really not a lot. To a middle class individual it seems like a mint. Short term T-Bills and Bonds might create more than enough income now, but do not pose any growth for generational use. The taxman is going to rue the day when this money is inhereted each tim...
by gvsucavie03
Sat Dec 08, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11848

Re: 20M Inheritance - What is best option for small/no risk on principal?

20 million is a lot of money to live off of. You could invest a few million very conservatively and use that money for your living expenses. That should last for the rest of your life. The remainder can be invested for growth. That means mostly stocks, which would be a much higher chance of growing...
by gvsucavie03
Sun Nov 25, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8783
Views: 1690872

Re: U.S. stocks in freefall

Facebook and Alphabet stocks are great buy at the moment even if they fall few more. And what if Facebook gets shut down for privacy issues or uncontrolled spreading of false claims or.... But, if it is a small portion of your total financial picture, then it's a fun weekend at the casino where you...
by gvsucavie03
Thu Nov 15, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5077

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

Jane Bryant talks about this in her book "How to make your money last." Yes, it is basically allocating your assets for certain times in retirement... it's not a bad idea. Remember, this is personal finance, so there can be more than one good way to do it and hers is certainly one of them. It was an...
by gvsucavie03
Sun Oct 21, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6110

Re: Pull kids from school for vacations?

***PSA*** The OP simply asked if it is ok to pull kiddos for vacation. Let's stop the overexaggerations and snide comments about teachers. The question is really simple. It's also not a question about parenting either. It's fine to do the big vacation on occasion, just don't make a habit out of it. ...
by gvsucavie03
Sun Oct 21, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6110

Re: Pull kids from school for vacations?

Education is a concept that is not monopolized by any one body of instructors. Teachers are very adamant that only they can ensure that kids are educated well. Enrichment can only be offered by schools through field trips and summer trips which allow teachers to plan great breaks from standardized ...
by gvsucavie03
Sat Oct 20, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6110

Re: Pull kids from school for vacations?

Education is a concept that is not monopolized by any one body of instructors. Teachers are very adamant that only they can ensure that kids are educated well. Enrichment can only be offered by schools through field trips and summer trips which allow teachers to plan great breaks from standardized ...
by gvsucavie03
Sat Oct 20, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6110

Re: Pull kids from school for vacations?

This is tough. Once-in-a-lifetime is one thing. I am a teacher in a college town and the University faculty's kids miss for the college spring break all the time. It is aggravating to see the same families doing it year after year, especially when the kids are younger. My vote is no, but as a parent...
by gvsucavie03
Sun Oct 07, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107144

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

I think international has done fairly well over the last 20years. Callan periodic table https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf 5.22% CAGR over the last 20 years. That's pretty bad... Only a little higher than the US total bond index (4.55%), but with MU...
by gvsucavie03
Sun Oct 07, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107144

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

I think international has done fairly well over the last 20years. Callan periodic table https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf 5.22% CAGR over the last 20 years. That's pretty bad... Only a little higher than the US total bond index (4.55%), but with MU...
by gvsucavie03
Sun Sep 30, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8644

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

To get rich quick: 1) Get a crystal ball so you know the stock market direction for 12 months. Better yet, the direction of the top 15 US stocks. 2) Leverage up to your eyeballs (house, farm, etc.). Buy at those perfect moments. 3) Sell your strategy to an investing magazine (or just keep the secret...
by gvsucavie03
Sun Sep 30, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4698

Re: College Student Performance Issues

I'm a college prof. Your DD sounds just like about 50% of college students most anywhere. Most of these students end up figuring it out on their own and graduate just fine. The adjustment takes some time. Some have a rocky freshmen year and then do fine after that. She might not be doing all that b...
by gvsucavie03
Fri Sep 28, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25805

Re: What is your single most expensive mistake?

Dropped $700 on a grad school deposit and went to a different school. Broke a rental agreement and lost a $650 security deposit. Wife paid over $1,500 for a class she doesn't plan to use for a career. Several student loans were lifestyle and other expenses and not school. Fairly low-key, but most of...
by gvsucavie03
Wed Sep 26, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2138

Re: Acoustic Pianos

Elsebet wrote:
Wed Sep 26, 2018 3:15 pm
I see pianos and pool tables being given away all the time on Craigslist. I would get a used one first and if the interest remains after a year or so upgrade to a nicer model at that point.
+1
by gvsucavie03
Tue Sep 25, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2138

Re: Acoustic Pianos

I agree with others who have said to go pick up a free piano. We have a nice upright that only took back pain and Advil to move. Works great. If you have disposable funds, Yamaha is the best bang for your buck, but seriously, why waste (word chosen aptly) your money on something that will have zero ...
by gvsucavie03
Sat Sep 22, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Sports fan trying to cut cable
Replies: 11
Views: 973

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: 2386

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: 5336

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: 5336

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: 5336

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: 5336

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: 1247
Views: 107144

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: 5336

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: 5336

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: 5336

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: 5336

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: 5336

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: 5336

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: 5336

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: 1247
Views: 107144

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: 1247
Views: 107144

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: 1247
Views: 107144

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: 1247
Views: 107144

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: 1247
Views: 107144

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: 837
Views: 156481

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: 9913

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: 3098

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: 1247
Views: 107144

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: 3274

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: 3274

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: 1247
Views: 107144

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: 2328

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...