Book Review: A History of Gold in the United States

onenationgold

Having been born after 1971, I have never lived in a time when the dollar was backed by gold. In an effort to learn more about the gold standard, I recently finished One Nation Under Gold: How One Precious Metal Has Dominated the American … [Read the rest]

XKCD on Credit Card Reward Optimization

xkcdccrewards

XKCD has some clever observations about the pursuit of credit card rewards: I definitely spend more time thinking about optimizing things than is... optimal? rational? That's why I started a website, so I can justify it as a business pursuit! … [Read the rest]

Costco New Membership Discount Certificate

Here's a new link for a Costco Membership Activation Certificate where for $60 you can get the following ($115.63 total value): 1-year Gold Star membership ($60 normally), which includes a membership card for the primary cardholder as well as … [Read the rest]

Morningstar Star Ratings, Still Less Useful Than Expense Ratios

wsj_mstar2

For investment nerds, the recent Wall Street Journal article The Morningstar Mirage was high drama. The subtitle got straight to the point: Investors everywhere think a 5-star rating from Morningstar means a mutual fund will be a top performer—it … [Read the rest]

Capital One® Venture® Rewards Credit Card – 50,000 Miles Limited-Time Offer

learnmore_green

The Capital One® Venture® Rewards credit card has increased their sign-up bonus to 50,000 miles after spending $3,000 on purchases within 3 months from account opening. Those 50,000 miles can be redeemed as a $500 credit towards any travel purchase … [Read the rest]

Early Retirement Income Update 2017 Q3: Do I Have Enough Yet?

sp500d_1710

How do you know when you portfolio is enough to retire on? You have to figure out a withdrawal strategy first. This is a tricky question and full of worries about running out of money. You could take out a fixed amount (i.e. $50,000 a year). … [Read the rest]

Early Retirement Portfolio Asset Allocation, 2017 Third Quarter Update

pcport_1710

Here is an update on my investment portfolio holdings after the third quarter 2017. This includes tax-deferred 401k/403b/IRAs and taxable brokerage holdings, but excludes things like our primary home, cash reserves, and a few other side investments. … [Read the rest]

Housing Has Higher Long-Term Returns Than Stocks?

jorda1b

I finally got around to reading an academic paper that looked a bit dry but had a great title: The Rate of Return on Everything, 1870–2015 [pdf] by Jorda, Knoll, Kuvshinov, Schularick, and Taylor. I wonder which of the authors came up with … [Read the rest]

California Residents: Southwest Credit Card Companion Pass Shortcut Offer

If you are a California resident, check out this special offer on the Southwest Rapid Rewards® Credit Card that provides a shortcut to the SWA Companion Pass: Plus Consumer (CA Only), $69 annual fee, 40,000 point bonus Premier Consumer (CA … [Read the rest]

TD Ameritrade Commission-Free ETF List – Changes Effective November 2017

td100

Updated. As of October 2017, TD Ameritrade notified their clients of the following changes to their commission-free ETF trading program. Here are the highlights from the e-mail: Here is the old ETF list [pdf]. Through 11/20/17, they trade … [Read the rest]

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review: 60,000 Miles Limited-Time Offer

Citi Platinum Select AAdvantage Visa Signature Card

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, from our partner Citi, is running a limited-time offer on their co-branded American Airlines credit cards.  Here are the updated card highlights: For a limited time, earn … [Read the rest]

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review – 60,000 Miles Limited-Time Offer

citibusiness

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, is running a limited-time offer on their co-branded American Airlines credit cards. Here are the details: Designed for businesses For a limited time, earn 60,000 American … [Read the rest]