I started sharing my net worth anonymously because it was so hard talk about it publicly. Even today, my site logo is a voice bubble with money inside. Fast forward nearly 15 years later, and it is still unlikely that you know your coworkers' … [Read the rest]
Consumer Reports shared some results from their 2018 Car Reliability Survey in the public articles Who Makes the Most Reliable Cars?, 10 Most Reliable Cars and, 12 Models Lose CR Recommendation Over Car Reliability Issues. Here's a partial … [Read the rest]
Chase Bank has updated banking promotions for new customers without a Chase Bank account (closed more than 90 days ago and haven't gotten a bonus in the last 2 years). The first bonus is for their Total Checking and Savings accounts, and if you … [Read the rest]
Below is a chart that tracks two simple numbers over the years, each with their own vertical scale (click to enlarge): The average household's equity ownership share, as a percentage of total equity and credit (bond) assets. (Left-axis) The … [Read the rest]
A recurring theme in my asset allocation philosophy is to stick with simple and safe bonds in your portfolio. The problem is, there will be other bonds that outperform safe, shorter-term US Treasury bonds and you might start to question your … [Read the rest]
For a young person making a plan to reach financial independence at a very early age (under 50), I think using a 3% withdrawal rate is a reasonable rule of thumb. For someone retiring at a more traditional age (closer to 65), I think 4% is a … [Read the rest]
If you shop at Target stores and are an existing TopCashBack portal member, grab a free $2.99 Thanksgiving Dish Towel at this link. Offer expires Sunday, October 21st at 11:59pm PST. Instructions: 1) Simply click the "Get Offer" button to go to … [Read the rest]
Here's my quarterly portfolio update for Q3 2018. These are my real-world holdings and includes 401k/403b/IRAs and taxable brokerage accounts but excludes our house, cash reserves, and a few side investments. The goal of this portfolio is to … [Read the rest]
The Washington Post had an article looking back 10 years later: How the housing market has changed since the crash. Inside was an interesting map of where the home prices crashed the most and the least (click to enlarge): I wish they had a … [Read the rest]
Ally Bank has a new promotion called Ally Payback Time that is offering a 1% cash bonus (up to $1,000) on new deposits on top of their existing interest rates. Valid for both new and existing customers. Given the holding period, this roughly … [Read the rest]
Interest rates are rising, and that applies to credit cards as well. The Citi Simplicity® Card comes with an extended 0% intro period for balance transfers while also offering some "accident forgiveness insurance". Do you have a balance that you … [Read the rest]
One of the major building blocks of your portfolio is probably a bond mutual fund or ETF. The most popular bond benchmark is the Bloomberg Barclays Aggregate Bond Index (AGG), which basically tracks all U.S. taxable investment-grade bonds. … [Read the rest]
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