Most Underfunded Private Pension Plans in the S&P 500 (Infographic)

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In addition to data on underfunded state pension funds, Bloomberg also has an infographic on private pensions: S&P 500’s Biggest Pension Plans Face $382 Billion Funding Gap. There are at least 20 large corporations that have put aside less than 70% … [Read the rest]

Best Interest Rates on Cash Savings – August 2017

Interest rates are slowly waking up from their multi-year slumber, so I'm paying closer attention to the various changes each month. Don't let a megabank pay you 0.01% APY or less for your idle cash. Here is my monthly roundup of the best safe … [Read the rest]

Fidelity Index Mutual Fund and ETF Expense Ratios (Updated August 2017)

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Updated. Fidelity announced another round of expense ratio cuts effective August 1, 2017. They last announced a big round of expense ratio drops in July 2016. This move allows them to make the following claim: Fidelity beats Vanguard on … [Read the rest]

Costco New Membership Discount – LivingSocial

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LivingSocial has a Costco Gold Star Membership Package where for $60 you can get $215.63 value: 1-year Gold Star membership ($60 normally), which includes a membership card for the primary cardholder as well as one free Household Card $20 … [Read the rest]

Amazon Prime: Buy Sample Box, Get Equal Credit Towards Similar Products

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Updated (again) with new sample boxes. Amazon Prime members can buy sample boxes that come with a credit towards a future purchase in that specific product category. For example, you can buy a beverage sample box for $9.99 and then you'll get an … [Read the rest]

Why Don’t More People Use Programmable Thermostats?

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The hottest time of the year has arrived. The U.S. Energy Information Administration (EIA) shared some results from their 2015 Residential Energy Consumption Survey in regards to air conditioning. A programmable thermostat can save you a … [Read the rest]

Betterment Review 2017: All Plans Now Include Human Financial Advice

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(Updated July 2017. Added details about unlimited access to human advice for all customers, Socially Responsible Investing (SRI) Portfolio options, simplified pricing structure with lower costs for some.) Betterment is an independent hybrid … [Read the rest]

Landline Phone Replacement: OBi200 Adapter $40 Deal + Installation Tips

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Updated. If you still like the idea of landline phone service and multiple handsets around the house, Obihai VoIP boxes are officially supported by Google Voice to provide unlimited free calls to the USA to Canada. That's totally free: $0 a month … [Read the rest]

Limited-Time Offer: Citi® / AAdvantage® Executive World Elite™ Mastercard® 75,000 Mile Bonus

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Limited-time offer. The Citi® / AAdvantage® Executive World Elite™ Mastercard®, from our partner Citi, is their premium American Airlines co-branded card. The previous 50,000 miles bonus has been improved to 75,000. Here are the details: For a … [Read the rest]

Money Buys Happiness… If You Outsource Your Unwanted Chores

First, you were told that the best way to buy happiness was to buy experiences, not things. Other research then said happiness can come from buying the right things. Here's another academic study making the rounds (WaPo, NYT): Buying time … [Read the rest]

Low-Cost Funds Capture Nearly All of the Market’s Gains (and Losses)

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Here's a quick snapshot that illustrates why Vanguard and other low-cost funds are taking assets from active managers. Via this Bloomberg article. The US stock market has been on a great run for nearly 9 years now, and low-cost funds have been … [Read the rest]

What if the North Pond Hermit Has Pursued Early Retirement Instead?

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Of my summer reads was The Stranger in the Woods: The Extraordinary Story of the Last True Hermit by Michael Finkel. Many people dream about leading a "quiet life" away from all the hustle and bustle. The "North Pond Hermit", real name … [Read the rest]