In my own phone, I use Mint Mobile to keep my cell phone costs low. They use the T-Mobile network, which means if you have a compatible phone switching just involves swapping in a new SIM card. It works just fine in my iPhone X. I just renewed … [Read the rest]
Our youngest child successfully completed her first semi-autonomous Halloween, but also threw up after eating her candy. Instead of just a case of diminishing returns (stops tasting as good), it was an important life lesson about negative returns! … [Read the rest]
One of the common reasons given for only investing the S&P 500 or only US-based companies is that the businesses operate globally. "McDonald's and Coca-Cola sell burgers and soda everywhere. Disney is everywhere. ExxonMobil sells energy around … [Read the rest]
Grocery delivery via Amazon Fresh and Whole Foods (Prime Now) is now free for Amazon Prime members (previously $14.99 per month). If you are an existing Amazon Fresh member, your price drop applies immediately. Newly interested members should … [Read the rest]
Parents want their children to have a better life than their own. We want our kids to eat more healthily, accumulate more knowledge, enjoy closer relationships, live longer, and - if we're honest - make more money. However, the academic paper The … [Read the rest]
If comparing this blog to the restaurant world, I like to think of it as the stubborn Mom & Pop hole-in-the-wall with one location. It's been around for a long time, but there are no second locations, no franchises, no frozen food line. It was … [Read the rest]
The card_name is a rewards business card offering a big early spend bonus offer in addition to ongoing 2 Miles per $1 on every purchase. Here are the highlights: Unlimited 2 Miles per $1 on every purchase, everywhere. 50,000 bonus miles - … [Read the rest]
Spotify Premium paid subscribers (both new and existing) can get a free Google Mini smart speaker. New subscribers can join Individual for $9.99 a month or Family for $14.99 per month and get a free promo code. There is no minimum monthly … [Read the rest]
The theory behind financial independence is simple. Spend less, save more, invest it into income-producing assets. The reality is complex, full of daily decisions about balancing income and spending. The Morningstar article (yes, M* is writing … [Read the rest]
All this talk about portfolio rebalancing is to improve your risk-adjusted return, not to maximize absolute returns. You are trying to squeeze the most return out of a given degree of risk. Otherwise, if you do nothing eventually whatever has a … [Read the rest]
Here's a drawback to US savings bonds that you might not have considered: Savings Bonds are easy to forget about. Paper savings bonds are often left in safe deposit boxes and forgotten. Electronic savings bonds do not generate a paper trail … [Read the rest]
Fidelity, Schwab, TD Ameritrade, E-Trade, Interactive Brokers, Ally Invest all now offer free stock trades. Vanguard offers free trades on all ETFs, not just their own. The new differentiators are things like user interface, customer service, and … [Read the rest]
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