May 2021 predictions confirmed. The fixed rate will indeed be 0% for I bonds issued from May 1, 2021 through October 31st, 2021. The variable inflation-indexed rate for this 6-month period will be 3.54% (also as predicted). See you again in … [Read the rest]
Be Guaranteed to Own the World’s Most Valuable Companies in 2051
Posted on May 2, 2021 // 2 Comments
The 2021 Berkshire Hathaway Annual Shareholder Meeting was on May 1st, 2022 and is now available as a recorded video on Yahoo Finance and a handy Rev.com transcript. I expect the podcast version to be updated shortly. I recommend listening or … [Read the rest]
Are You Unknowingly a Time Billionaire?
Posted on April 30, 2021 // 1 Comment
The 2021 Berkshire Hathaway shareholder meeting is streaming live on Yahoo Finance this weekend, and I am reminded of a lesser known quote from Warren Buffett about what is truly valuable. I believe he has said this elsewhere, but I found it … [Read the rest]
Historical Asset Class Correlations: Which Have Been the Best Portfolio Diversifiers?
Posted on April 29, 2021 // 2 Comments
When talking about constructing an investment portfolio, you'll often hear about diversification and buying low-correlation or non-correlated assets. A positive correlation means that the assets tended to move in the same direction. A value of 1 … [Read the rest]
The Intriguing History of the 30-Year Fixed Rate Mortgage
Posted on April 27, 2021 // 7 Comments
As part of a complete personal finance education, I submit that the longread article Financing the American Home by Marc Rubenstein should also be required reading. I learned a lot of important facts about the history and meaning behind the 30-year … [Read the rest]
Potential Risks of High Interest Stablecoin Savings Accounts
Posted on April 25, 2021 // 3 Comments
As an extension of High-Yield Crypto Accounts: 6% Interest in Bitcoin or 9% Interest on Stablecoin, I'm trying to better understand the potential scenarios that might cause loss of principal. Even if you're tired of crypto talk, you should be aware … [Read the rest]
Amazon Explore: Virtual Live Travel Experiences (First Free for Prime Members, Up to $50 Value)
Posted on April 21, 2021 // Leave a Comment
Amazon Explore allows you to virtually "travel" and explore a new place with your own personal tour guide. There are tours, educational classes, interactive shows, and personal shoppers. For the tours, it appears that you get the equivalent of a … [Read the rest]
Free Character Traits Test: Identify Your Signature Personality Strengths
Posted on April 19, 2021 // Leave a Comment
I'm now in Week 5 of the free Yale Happiness Course, which focuses on finding things that truly make you happy, as opposed to the 5 Surprising Things That Don’t Make You As Happy As You Think. For example, instead of equating a "good job" with … [Read the rest]
Influence: How Salespeople Use Your Mental Shortcuts Against You
Posted on April 18, 2021 // Leave a Comment
Although not technically a "personal finance" book, Influence: The Psychology of Persuasion by Robert Cialdini should be required reading if they ever create a standardized curriculum for personal finance. In addition to being a professor of … [Read the rest]
OhmConnect: Get Paid For Saving Energy One Hour Per Week ($25 Sign-Up Bonus, CA Only)
Posted on April 15, 2021 // 8 Comments
Updated, new limited-time $25 bonus. OhmConnect works with consumers and their local utilities to lower energy costs and save money together. Before reading any further, it appears that cash payments are only for customers of PG&E, SDG&E or Southern … [Read the rest]
Fidelity Spire App $100 Bonus, Fidelity Go Roboadvisor Warning
Posted on April 13, 2021 // 7 Comments
Updated, including new bonus and tax warning. Fidelity Spire is Fidelity's new mobile app, which adds fintech-y features and is separate from their main Fidelity app. You can link your external accounts, track balances, and set financial goals. … [Read the rest]
BBVA $250 Easy Bank Bonus: $200 Checking + $50 Savings (Back Again)
Posted on April 12, 2021 // 31 Comments
$250 bonus is back. In the current low interest rate world, easy bank bonuses have become more attractive way to boost your safe interest income. BBVA has brought back their popular $250 bonus promotion for a limited-time. $200 bonus for … [Read the rest]
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