Tax-Efficiency and Qualified Dividend Income Percentages

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Dividend distributions from mutual funds and ETFs are either qualified or non-qualified, and the difference could have you paying double the taxes. Qualified dividends are taxed at the lower long-term capital gains rate, which varies from 0% to … [Read the rest]

Costs Matter: Vanguard Long-Term Performance Update 2015

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The purpose of Vanguard's commitment to low-cost investing is not just to be cheap, it is to give their clients higher performance. Whenever a money manager charges higher fees for themselves, they will have to compensate by creating that much … [Read the rest]

Costco No Longer Accepting American Express in 2016

Starting in early 2016, you will no longer need an American Express card to pay with a credit card at Costco. Not earth-shattering news (although I do buy a lot of stuff at Costco), but as a credit card geek I thought some of the details that came … [Read the rest]

Chart: Vanguard Low-Cost Philosophy At Work

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The debate between active and passive investing has come full circle. We've officially gone from "index funds will never work!" to "index funds are working too well, it can't keep on going". Check out the Forbes article Is Vanguard Too … [Read the rest]

Comparing Your 529 In-State Tax Deduction vs. Better Out-of-State Plans

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I'm getting ready to put down a decent chunk of money into a 529 college savings plan, which means lots of research as there are a lot of options and nuances. A general plan for those without strong investment preferences would be to go with one of … [Read the rest]

Chase Ink Plus Business Card Review: Limited-Time 50,000 Rewards Points Bonus

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Chase's newest small biz credit card is called the Ink Plus® Business Card. It turns out to be very similar to the Chase Ink Bold Business card, but with the important difference that the Ink Plus is a credit card where you can carry a balance and t … [Read the rest]

Index Funds vs. Hedge Funds: Buffett $1,000,000 Bet Update 2015

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It is now 7 years in on the 10-year bet between Warren Buffett and a successful hedge fund manager. In 2007, Warren Buffett challenged any hedge fund to a long-term bet against the S&P 500. He found a taker. Fortune magazine announced … [Read the rest]

Verizon Wireless Drops Most Data Plan Prices by $10, But Existing Customers Must Opt-In

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Verizon Wireless positions itself as a premium service. They have the biggest 4G LTE footprint, but they also seem to cost more across the board. For people that depend on reliable phone and data service for their work, the extra price is often … [Read the rest]

Viewing Stock Market Risk Over The Long Run

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The following is a chart that I usually like to pull out during a crisis when people are scared of investing in the stock market, but since I just found a nicely updated version of it, I had to share. It is taken from Jeremy Siegel's book Stocks for … [Read the rest]

DietBet and HealthyWage: Can I Get Paid to Lose Weight?

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A few well-publicized academic studies have shown that financial incentives can be very effective in helping people lose weight. In order to combine the carrot and the stick, there are two websites now where you can bet on your weight loss. If … [Read the rest]

Jet Shopping Club Promo: Free 6 Month Membership ($25 Value)

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Online shopping club Jet.com has been hyped as "part Costco, part mall, and all anti-Amazon" by Businessweek. It's not even live yet, but it will be like Costco in that Jet plans to make their profit only from membership fees and make no money on … [Read the rest]

Amazon’s (Positive) Free Shipping Policy Change

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Amazon has made a subtle change to their free shipping on orders over $35 policy (for users that don't pay extra for Amazon Prime). Via LA Times and krutis of FW. There are now more than triple the number of items you can use to meet Amazon’s m … [Read the rest]