Apple Card reporting to Experian
Just got an email in my capital one app saying that I opened up a new account this morning and I saw that my Apple Card was there. Is this normal did anyone else get this? I know that Apple Card reports to transunion.
submitted by suitable-robot01
One of my 2020 goals was to invest $50K before my 31st bday. I did it by paying myself 1st and saving more than I spend. Don't work in tech and earn under $100K.
Renting with my gf, splitting costs in a HCOL US city. We are very lucky to not have had any interruptions in employment or pay during this pandemic. Aggressively saving/investing and have increased savings rate over past few years while increasing my income. Set forth short and mid term money goals with gf, aware that starting a family is on the horizon. Budgeting is essential. Besides Mint and Personal Capital, I use Excel. 11/11/2020 Total investment portfolio per my Personal Capital IOS app
I'm up 15.5% YTD as of 11/11/2020 in my total portfolio.
Aware Fed liquidity/stimulus is supporting asset appreciation. 2020 has been a crazy year so far.
401k tracks the S&P 500 (FXAIX). Roth IRA is VWELX. Taxable accounts track Nasdaq-100 (QQQ), VDIGX, VXUS, VXF.
4% of total portfolio is in 2 stock gambles (TSLA and PLTR).
Focused on building my VXUS and VXF positions since I'm far less exposed to international and mid/small-caps. I use M1 Finance to auto-invest in ETFs every Monday. My taxable pie is up 10% since June 2020 M1 taxable pie link
Some things I've learned along the way:
Stock returns outpace inflation and supplement your nest egg, but increasing savings rate is key. Mine is currently over 65% and it may drop as expenses rise due to life events, so I'm taking advantage of my situation while I can.
Budget. After cash savings, invest the rest (max out retirement accounts) with tax efficiency in mind: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
Heavy cash deposits and Total Return matter much more than chasing DiViDeNdZ. Don't lose sight of the forest for the trees.
Choose an asset allocation and stay the course.
The entire Bogleheads wiki is a goldmine: https://www.bogleheads.org/wiki/Main_Page
submitted by 4pooling