Rate hike for No-Penalty CD. CIT Bank (not to be confused with Citi Bank) is an online-only bank that has a multi-year history of competitive rates, although they do like to start up new product lines while keeping low rates on their older product … [Read the rest]
Final update July 2023, with full cashout. It has now been nearly 6 years for my experiment comparing a Fundrise Real Estate portfolio and the Vanguard Real Estate ETF. In Fundrise, we have a start-up with "crowdfunding" beginnings that offers … [Read the rest]
If you read a lot of finance articles online, you're probably as tired as I am of running into paywalls. Even though I already pay for subscriptions to the New York Times, Wall Street Journal, and Bloomberg Businessweek (paper magazine!), I'm still … [Read the rest]
Megabus now runs intercity bus service to over 500 cities all across the US (also runs in UK and Canada). Right now, you get can $1 fares with their "Christmas in July" sale (Via The Gate, see tweet below). The schedule is now out through … [Read the rest]
Milli is a new app-only savings account that is backed by the FDIC insurance of First National Bank of Omaha (FNBO). iOS and Android apps available. They came out of the gates at 5.00% APY but recently raised to 5.25% APY. Here are the … [Read the rest]
The term "Vanguard effect" was coined due to the observation that after Vanguard enters an asset class with its low expense ratios, competitors are usually forced to follow and lower their expense ratios as well. However, one area where this … [Read the rest]
"The Long View" by Mornginstar is an excellent podcast for DIY investors with a long-term perspective. Their recent episode Bill Bernstein: Revisiting ‘The Four Pillars of Investing’ had on Dr. Bernstein to help promote his newly-updated The Four … [Read the rest]
If you live in a state that taxes interest income, you may know that can significantly alter the net after-tax yield on your investments. This is because direct U.S. government obligations like Treasury bills and bonds are generally exempt from … [Read the rest]
Updates... Added some links below to products I own and recommend, that I saw on sale. This year, I bought... a really nice office chair finally as it was $200 off or so. Here is a "Buy Again" link where you can see if there is a Prime Day deal on … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of July 2023, roughly sorted from shortest to longest maturities. There are often lesser-known opportunities available to individual investors. Check out my Ultimate Rate-Chaser … [Read the rest]
Here’s my 2023 Q2 income update for my MMB Portfolio. I prefer to track the income produced as an alternative metric for performance. The total income goes up much more gradually and consistently than the number shown on brokerage statements … [Read the rest]
Here's my quarterly update on my current investment holdings at the end of 2023 Q2, including our 401k/403b/IRAs and taxable brokerage accounts but excluding our primary residence and side portfolio of self-directed investments. Following the … [Read the rest]
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