Realty Mogul Review: Fractional Investment Property Ownership, Hard Money Lending


Added bonus for new sign-ups. I've been a registered member of RealtyMogul for a while, and they recently emailed me that if I referred a friend, we'd both get a $150 Amazon gift card just for completing the registration process (i.e. zero … [Read the rest]

AmEx Special Offers: $15 off $60 at Amazon (Updated)


Updated 11/16/15. American Express cardholders can participate in "AmEx Offers" which offer discounts to various merchants. These promotions often offer the opportunity for easy savings without changing your spending habits. If it is a store that … [Read the rest]

High-Quality Bonds Still Best Antidote to Stock Price Drops


There is a constant search for the elusive "new" asset class that offers high returns but with low correlation to stocks. In Skating Where the Puck Was: The Correlation Game in a Flat World, William Bernstein points out that soon after one is … [Read the rest]

Charlie Munger: The First $100,000 Is The Most Difficult


There used to be a series of ING commercials where people would carry around their "Number", which was usually over a million dollars. I think such large numbers actually discourage most savers, so what if we had an alternative goal that was both … [Read the rest]

iShares Core ETFs Expense Ratio Changes 2015


Blackrock announced changes to its iShares Core ETFs, which are targeted towards buy-and-hold investors. 7 ETFs now have lower expense ratios (see chart below). Both iShares Core S&P Total U.S. Stock Market ETF (ITOT) and the BlackRock Total … [Read the rest]

Groupon: Starbucks $15 Gift Card for $10

It's back! Wow, haven't posted a Groupon deal in a while. I really should have shorted the stock when even I unsubscribed from their daily newsletter, but I didn't have the guts. Now I'm just mad because they deleted my account after not using it … [Read the rest]

Visa Checkout $15 Statement Credit with Chase Freedom

There was previous promo with the Chase Sapphire Preferred card, but now there is a another separate promo with the Chase Freedom. Earn a $15 statement credit after you spend $15 or more with your Chase Freedom® card using Visa Checkout. Valid for … [Read the rest]

TradeKing $200 Cash Bonus Promotion


Promo extended. To celebrate their 10th anniversary, stock brokerage TradeKing is offering a $200 cash bonus for new accounts opened by 12/31/2015, funded with $3,000 or more within 30 days of account opening, and with at least 3 executed trades … [Read the rest]

Early Retirement Portfolio Income Update, November 2015


I like the idea of living off dividend and interest income. Who doesn't? The problem is that you can't just buy stocks with the highest dividend yields and junk bonds with the highest interest rates without giving up something in return. There … [Read the rest]

Early Retirement Portfolio Asset Allocation Update, November 2015


Here's a (late) Q3 2015 update on my investment portfolio holdings for 2015. This includes tax-deferred accounts like 401(k)s and taxable brokerage holdings, but excludes things like real estate and cash reserves (emergency fund). The purpose of … [Read the rest]

myRA Starter Retirement Account Launches Nationwide


The U.S. Department of the Treasury announced the national launch of myRA (my Retirement Account), a new starter option for those who don’t have access to a retirement savings plan at work. There have been some improvements and tweaks since their i … [Read the rest]

529 College Savings Plans: State-by-State Tax Benefit Comparison 2015


Updated for 2015. When choosing a 529 college savings plan, you'll often have to weigh any in-state benefits with the superior investment options from an out-of-state plan. Every state seems to have their own unique combination of tax deductions … [Read the rest]