The current issue of the Journal of Financial Economics has a new paper titled Millionaires speak: What drives their personal investment decisions? about how millionaires invest their money (via Alpha Architect): We survey 2,484 U.S. individuals … [Read the rest]
Everyday investors now have trillions of dollars invested inside Target Date Funds (TDFs) with their "set-and-forget" simplicity that provides "industry-standard" investment advice for a relatively low cost. Many people are out there selling better … [Read the rest]
Many people hold a blanket assumption that all annuities are bad investments. Indeed, many annuities offer confusing promises with high hidden expenses, but I believe that certain annuities can be a very useful tool in retirement planning. First, … [Read the rest]
Update 10/18/2022: You can now apply for the Federal Student Loan Debt Relief Program at https://studentaid.gov/debt-relief/application. "Time to Complete: About 5 Minutes. No Login or Documents Required." Original post 8/24/2022: The … [Read the rest]
Firstrade is a broker unique in that they include $0 online stock/ETF trades, $0 options + $0 per contract, and $0 mutual fund trades (including no-load). Most of the major brokers charge per options contract and for no-load mutual fund trades. … [Read the rest]
Delta Airlines is partnering with Starbucks, including with a account linking promo worth an easy 500 Delta Skymiles and 150 Starbucks Stars (worth a free drink of any size or breakfast/snack item): 150 Stars and 500 miles when you link before … [Read the rest]
Update January 2023: Public has been gradually making the bonus tiers higher and/or the bonus amount lower, but the offer is still alive. Please visit the offer page for the most current tiers and terms. Updates 10/11/22: Here are a few … [Read the rest]
Amazon is having another Prime Day on October 11 & 12, basically another day of deals. Here are the low-hanging fruit like a $10 gift card credit and a few select deep-discount deals. Otherwise, I check on the things I need to buy anyway and try … [Read the rest]
Here’s my quarterly income update for my Humble Portfolio (2022 Q3). I 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 as of 10/4/22, 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 in the … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of October 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]
Extended again through 2023. AnnualCreditReport.com remains the official government-mandated source of free credit reports. Usually, you can only request a free copy of your credit report every rolling 12 months from each credit reporting company. … [Read the rest]
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