Here's my monthly roundup of the best interest rates on "safe" cash as of March 2021, roughly sorted from shortest to longest maturities. I keep 12 months of expenses as part of my semi-retirement cashflow planning, and there are many lesser-known … [Read the rest]
Standardized Personal Finance Advice: Reddit Flowchart Version
Posted on March 7, 2021 // 5 Comments
When creating financial statements, there are "generally accepted accounting principles" (GAAP) so that all companies follow the same standardized set of rules. After reading 100+ books on personal finance, you could also create what I would call … [Read the rest]
iCloud Photos Backup Options: Direct Transfer to Google Photos, Bulk Download Tool
Posted on March 4, 2021 // 4 Comments
As an iPhone user, I store nearly all of my precious photos on their iCloud service. I used to backup my photos on Google Photos since they offered free unlimited storage at "high" quality, but Google announced it will stop offering this feature on … [Read the rest]
Slide: Up to 5% Back at Instacart, eBay, Uber Eats, Grubhub, Doordash via Instant Gift Cards ($20 Bonus)
Posted on March 3, 2021 // 9 Comments
Instacart update: Slide now includes 4% back at Instacart (5% cash back if you pre-fund). My Instacart tip is to stay logged into the app on your phone and wait for them to send you periodic promotions. At least once a month, I will either get … [Read the rest]
BofA Business Advantage Unlimited Cash Rewards Mastercard: $500 Statement Credit
Posted on March 2, 2021 // 3 Comments
The Bank of America Business Advantage Unlimited Cash Rewards Mastercard® credit card (yes, that is really the official name!) is the no-annual-fee “cash back” credit card in the Bank of America small business card line-up. The normal bonus … [Read the rest]
Berkshire Hathaway 2020 Annual Letter by Warren Buffett
Posted on March 1, 2021 // Leave a Comment
Berkshire Hathaway (BRK) released its 2020 Letter to Shareholders over the weekend. If you also found reading this letter and Charlie Munger's Daily Journal transcript an enjoyable way to spend your weekend... you might be an investing geek! As … [Read the rest]
Charlie Munger Daily Journal Annual Meeting 2021 Full Video, Full Transcript, and Highlights
Posted on February 28, 2021 // Leave a Comment
It seems that every year, Charlie Munger and the Daily Journal Annual Shareholder Meeting gets more and more media attention. Which is great, as Munger is now 97 years old. Yahoo Finance livestreamed the event, and you can view the full two-hour … [Read the rest]
Scott Galloway’s Algebra of Wealth (or: How To Become Rich)
Posted on February 25, 2021 // 1 Comment
Scott Galloway shares in The Algebra of Wealth his thoughts on how to achieve financial security (be rich). You should read the entire thing, but the ingredients in his formula are Focus, Stoicism, Time, and Diversification. I'm only including a … [Read the rest]
PPP Updates For Self-Employed and Independent Contractors: Single-Page Forgiveness Form, 2nd Draw Applications Open
Posted on February 23, 2021 // 7 Comments
Updated. There are many people who are eligible for 100% forgivable federal assistance from the Paycheck Protection Program, but aren't applying for it, either due to misinformation or being discourage by all the bureacracy. Many PPP loan … [Read the rest]
What Percentage of Income Do People Really Donate to Charity?
Posted on February 22, 2021 // Leave a Comment
Giving to charity has the double taboo of being both about money and your generosity to others. Double the chance for judgment, at least! "And once again, tithing is 10 percent off the top, that's gross income, not net. Please people, don't force … [Read the rest]
Vanguard – How The Boring, Long-Term Focused Part of America Invests
Posted on February 21, 2021 // 7 Comments
Vanguard recently released a report on “How America Invests”, based on the 5 million households with Vanguard retail accounts (taxable and IRAs, not 401ks). It looked at investor behavior from 2015 through 2019, along with the first quarter of … [Read the rest]
Mint Mobile Review: Now $15 a Month for 4 GB, $20 a Month for 10 GB 5G/LTE Data
Posted on February 18, 2021 // 11 Comments
Update 2021: I just renewed with Mint Mobile again. I'm still happy with the service, including the new faster 5G speeds and increased data limits (added automatically without raising the price). I now pay $20/month for 10 GB 5G/LTE data (up from 8 … [Read the rest]
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