ETF Tax-Loss Harvesting: 70% Overlap Rule of Thumb for Substantially Identical

Tax-loss harvesting (TLH) is a common practice used to improve after-tax returns by realizing losses to either offset realized capital gains or to defer capital gains into the future. Many robo-advisors including Betterment and Wealthfront offer … [Read the rest]

Happy Holidays from My Money Blog

Earlier this month, we welcomed a third wonderful child into our family. (Yes, I know, the picture on the sidebar is really old...) We are truly blessed. I am also grateful for many other things, including your continued readership. While … [Read the rest]

Year-End Portfolio Rebalancing: Impact on Returns vs. Risk

As we close in on the end of the year, it is a good time to take stock of your investment portfolio. If you haven't already, you should consider rebalancing your portfolio back towards your target asset allocation. Overall, this means selling … [Read the rest]

Free Gillette Razor With Picture Upload

Here's a throwback to when free razor samples were everywhere - Gillette is running a Welcome Back promotion where if you share your story about how you tried Harry's, Dollar Share Club, or another razor brand and want to come back to Gillette, … [Read the rest]

Andrews Federal Credit Union Application and Account Opening Review

I keep a portion of my cash reserves in certificates of deposit. I decided to open a share certificate from Andrews Federal Credit Union during their 2016 Holiday Promotion. The review information below should apply to anyone trying to open any … [Read the rest]

Netflix: Download Movies and Shows for Offline Viewing

I just saw that Netflix now allows an offline download option for many of their shows and videos (and not just Netflix-only shows). You will need iOS 8.0 or later, Android 4.4.2 or later, and the latest version of the Netflix iOS or Netflix Android … [Read the rest]

Credit Karma Tax 2019: $0 Federal and $0 State Tax Filing w/ No Last-Minute Charges

Tax season is officially here and the IRS is accepting E-files. For you early birds, Credit Karma Tax is now on its 4th year of offering 100% free Federal AND State tax preparation software with free e-File and no income restrictions. You can have … [Read the rest]

Amazon Store Card Review: 5% Back on Amazon Purchases with Prime

A few readers have asked my opinions of the Amazon Store Card, a retail card issued by Synchrony Bank. You can only use it to buy things at Amazon.com - note the lack of a logo from Visa, Mastercard, Discover, or American Express. This is a … [Read the rest]

ThanksAgain: 200 Bonus Points Promo Link, Keep Multiple Miles Accounts From Expiring

Updated with another 100 point link. ThanksAgain is a smartphone app for frequent travelers that gives you points for buying things inside of airports. You link up your credit card number and then automatically earn miles at participating … [Read the rest]

How To Stop Mailed Paper Catalogs and Other Junk Mail

As a follow-up to how to stop balance transfer checks, here's all I know about stopping unwanted paper catalogs. Direct mail catalogs are like weeds. You unsubscribe from a bunch of them, but then later you buy someone a cast iron skillet and then … [Read the rest]

How To Stop Balance Transfer Checks from Chase, Citibank, Capital One, Etc.

'Tis the season for a mailbox full of catalogs and credit card balance transfer checks. (Hint: There is a connection between the two.) If you want these "access" checks to stop, you just have to ask. You simply call them up (see back of credit … [Read the rest]

DirecTV Now Review + Free Apple TV or Fire TV Stick Promotions

Attention cord-cutters! DirecTV has gone live with their new streaming TV service called DirecTV Now. This join existing competitors Sling TV and Playstation VUE. Here'a an image that breaks down the $35/$50/$60/$70 per month tiers (click to … [Read the rest]