Here's my quarterly update on my current investment holdings as of the end of 2022, including our 401k/403b/IRAs and taxable brokerage accounts but excluding real estate and side portfolio of self-directed investments. Following the concept of skin … [Read the rest]
Update: This offer is now expired and not currently available. I am leaving up the details for those that did the deal previously. Expired offer: $100 offer is back. You must sign up by 1/31/23 and have your meeting by 2/28/2023. Personal … [Read the rest]
The beginning of the year is also a good time to check on the new annual contribution limits for retirement and benefit accounts, many of which are indexed to inflation. Our income has been quite variable these last few years, so I regularly adjust … [Read the rest]
Happy New Year! I enjoyed a little winter nap. This worked out fine as successful investing does not require constant attention. To be honest, if all my research and/or experience showed that lot of trading activity led to greater returns, I'd … [Read the rest]
Happy Holidays! I hope that everyone reading this is enjoying time with family and friends in their own tradition. This is a time for reflection, but my interest in diving deeply into financial topics has been low recently. As I sit amongst a pile … [Read the rest]
Update December 2022: You may not even remember that you filed a cash claim in the 2017 Equifax Data Breach Settlement, but the payments are finally being sent out. I nearly deleted the email as it ended up in my Junk Folder. The settlement … [Read the rest]
Investing for the long run is easier if you temper your emotions with the knowledge that lower stock and bond prices today suggest higher future returns (and vice versa). Morningstar has just released the 2022 edition of their research paper The … [Read the rest]
My inbox has been seeing an uptick about structured products and fixed indexed annuities that offer "market-linked performance" or "market upside" with "downside protection". While below is my usual take on these products, I wanted to provide some … [Read the rest]
SkyOne Federal Credit Union has a $100 savings + $300 checking account promotion with qualifying direct deposits. New members only. There is also a separate $300 credit card bonus. Based in Hawthorne, California, membership is open nationwide … [Read the rest]
This is inadvertently turning into a multi-part series, mostly revolving about taking advantage of long-term TIPS to build guaranteed inflation-adjusted income. Are the current real TIPS yields worthy of locking in? The previous parts: 4% … [Read the rest]
I have to hand it to Robinhood, they are good at marketing. It took years, but Robinhood is finally offering Individual Retirement Accounts (IRAs) with the unique feature of giving you an extra 1% on every dollar you contribute, every year. … [Read the rest]
As a follow-up to my previous post on historical inflation (10-year rolling averages), how do periods of high inflation affect safe withdrawal rates for retirement portfolios? I reference a paper about Sustainable Portfolio Withdrawal Rates During … [Read the rest]
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