Dynamic Withdrawal Rates: Increase Spending Flexibility, Improve Portfolio Sustainability

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The WSJ has a nice introduction to dynamic withdrawal methods and managing your portfolio in retirement. They outline a few of the more popular variations - Adjusted 4%, Floor-and-Ceiling, and Guardrail. I like learning about dynamic strategies … [Read the rest]

Vanguard’s Low-Cost Funds Winning, Low-Cost Portfolio Management Next?

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Catching up on articles, I saw that Financial Times has an intriguing profile of Vanguard. If you're not a hardcore Boglehead, you will likely discover some new bits about this company started by Jack Bogle and pioneered index fund investing. (I'd … [Read the rest]

DietBet.com Update: My Weight Loss Profit Breakdown

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Back in early February 2015, I wrote about and started participating in a weight loss challenge at DietBet.com. As the picture above indicates, a group of folks (strangers or friends) agree on a weight loss goal, put money into a community pot, and … [Read the rest]

The Opposite of Spoiled Book Review: Kids and Money

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Here's my one-sentence review of the book The Opposite of Spoiled: Raising Kids Who Are Grounded, Generous, and Smart About Money by Ron Lieber. If you have kids and feel it is important to teach them about money, then you need to read this book. … [Read the rest]

Capital One 360 Savings Promo – Earn Up to a $500 Bonus

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Capital One 360 Savings has a new sign-up bonus for up to $500 for new customers, tiered depending on your opening deposit. Limited-time offer. Here's a quick recap of the features of 360 Savings accounts: No monthly fees or minimum balance r … [Read the rest]

Citi Prestige and Global Entry Application Fee Reimbursement Experience

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After researching the details for my Citi Prestige Card review, I went ahead and applied for one since I felt I could get over $1,400 of value in exchange for the $450 annual fee. Part of that would come from the $100 application fee credit they … [Read the rest]

Completed Sample IRS Form 709 Gift Tax Return for 529 College Savings Plan

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Let's say you are fortunate enough to be able to make a large contribution to a 529 college savings plan, perhaps for your children or grandchildren. You read from multiple sources that you are able to contribute up to $70,000 at once for a single … [Read the rest]

Vanguard Merged Brokerage Account Review: Pros and Cons

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When you open an account with Vanguard, there are two different account options. First is a mutual fund account which only holds Vanguard mutual funds. Second is a brokerage account that can hold individual stocks, ETFs, individual bonds, and … [Read the rest]

Google Photos: Unlimited Free Photo and Video Backup

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Google may already see all your search queries, have access to all your e-mails with Gmail, and now it wants to store all your photos. Why would you let them? How about unlimited space. Free. From the Google Blog: Google Photos gives you a … [Read the rest]

Ting GSM SIM Cards: Bring Your Own Phone + Referral Credit

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(Update 6/9: Limited-time offer is now ended, back to $25 referral credit.) Ting provides mobile phone service with a "pay-only-for-what-you-use" structure. Think "a la carte" instead of Golden Corral buffet. :) For the last few months, I've been … [Read the rest]

How To Cook Everything Fast, Reviewed By a Slow Cook

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As part of my ongoing effort to Cook It Yourself in 2015, I've been trying out new cookbooks. (So far I've managed to lose over 20 pounds by cooking at home and eating less of what I cook at home. ;) ) I bought How to Cook Everything Fast: A … [Read the rest]

Teaching Money Management Skills… Without Using Money

In the book The Opposite of Spoiled by Ron Lieber, there are a number of tips and tricks presented to help teach your kids to be good with money: The foundation of the book is a detailed blueprint for the most successful ways to handle the basics: … [Read the rest]