Nicole Dieker
nicoledieker
Nicole Dieker has been writing about personal finance for over six years. She's also the author of The Biographies of Ordinary People, a Millennial-era Little Women.
8/15/19
5:08 PM
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I think we’re looking at the same thing in different ways. 

8/15/19
1:49 PM
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I’m 37, and my Vanguard app also says I should shift to 90/10. The reason my portfolio ended up the way it did was because I began with a Boglehead three-fund portfolio at 60-20-20 (60% domestic stock, 20% international stock, 20% bonds), which is still essentially what I’ve got, plus or minus a few percentage points.

8/12/19
12:10 PM
1

Not sure if there’s a specific one just for this, but most to-do and list apps should work. Just create a list called “don’t buy,” or “use up,” or something like that.

8/8/19
1:12 PM
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I’m not sure, since I don’t have access to the original study. The MarketWatch piece gives a little more info:

8/7/19
1:00 PM
2

I think we’re both saying the same thing! If you take out a new 30-year loan, the clock starts over at 30 years. 

8/2/19
5:16 PM
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Not necessarily. I earn AAdvantage miles on a Citi credit card, for example—I’d expect those miles to remain in my American Airlines account (along with the other AAdvantage miles I’d collected for flights and etc.) if I closed the Citi card.

7/30/19
11:06 AM
1

That is correct! Many banks and credit cards offer that service for free.

7/29/19
4:32 PM
10

According to Equifax’s FAQ, Alternative Reimbursement Compensation refers to the $125 that people can elect to claim in lieu of free credit monitoring. The complete description of what you can receive, including the qualification that “if there are more than $31 million claims for Alternative Reimbursement