Morgan Housel has an excellent post about Cumulative vs. Cyclical Knowledge, which points out how humans don't seem to be able to solve behavioral financial problems like living below your means, asset bubbles, overuse of leverage, and more. In a … [Read the rest]
Amazon is offering select Amazon Prime members a $10 Amazon credit for linking their Venmo account as a payment method. You don't have to actually purchase anything with Venmo. The terms says it's targeted, but I did not receive an e-mail about … [Read the rest]
Retirement income planning would be so much easier if you could buy a known amount of guaranteed lifetime income that automatically adjusted for inflation. However, the reality is that not a single insurance company in the entire world is willing to … [Read the rest]
If you are serious about dramatically improving your personal finances (like getting rid of credit card debt), the first step is to find out exactly where your money goes - track every dollar for a month using a spending log. I recall it being quite … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of November 2022, roughly sorted from shortest to longest maturities. We all need some safe assets for cash reserves or portfolio stability, and there are often lesser-known … [Read the rest]
The Citi® Double Cash Card is a popular rewards credit card as it offers 2% flat cash back on all purchases, not just specific categories. As of March 2022, $1 in cash back rewards is also 100 Citi ThankYou points for potentially even better reward … [Read the rest]
Update November 2022: Ally has raised the rates on their CDs and savings accounts, but notably the 11-month No Penalty CD is now at 3.10% APY, which isn't amazing, but if you are already committed to this deposit bonus, it is a way to raise your … [Read the rest]
The WSJ asks an interesting question: Public REITs Are Down, Nontraded REITs Are Up. Which Is Right? (paywall?). Public REITs are traded on an open market with daily liquidity, and prices are down ~26% overall this year. Non-traded private REITs … [Read the rest]
November 2022 rates officially announced. May 2022 rate confirmed at 9.62%. 11/1/2022 press release. The variable inflation-indexed rate for I bonds bought from November 2022 through April 2023 will indeed be 6.48% as predicted. Every single I … [Read the rest]
Here's a reader question via email that comes up pretty regularly, and I'm surprised that I don't have a dedicated post answering it. So here it is! 😁 Hi Jonathan, I have been following you for a long time and appreciate your work. … [Read the rest]
Update: Based on what I see in my zip code, it appears this bonus was extended to January 2, 2023. PNC Bank is one of the Top 10 largest banks in the US, and they have a nice bonus available as well. Enter your zip code into their checking … [Read the rest]
Follow-up: Although the initial scan did not find any hits (even though my data was on the sites), a subsequent scan did a better job and Discover removed my data from 33 different hits from the 10 people search sites. I randomly spot-checked them … [Read the rest]
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