SPG 20% Transfer Bonus: 20,000 Starwood Points = 30,000 American Airlines Miles

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American Airlines (AA) has a new promotion on transferred Starwood Preferred Guest (SPG) Starpoints, where they will add a 20% bonus on any transferred AA miles from 8/1 to 9/14/16. Starpoints are already quite flexible and transferrable to … [Read the rest]

Early Retirement Portfolio Asset Allocation, 2016 Mid-Year Update

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Here is a roughly mid-year 2016 update on my investment portfolio holdings. This includes tax-deferred accounts like 401ks, IRAs, and taxable brokerage holdings, but excludes things like our primary home and cash reserves (emergency fund). The … [Read the rest]

Download Free App, Get Free $10 AppStore Amazon Credit

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Home Country Bias in Stock Market Investing

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Vanguard has a new research paper about global asset allocation. One of their findings was that market-cap-weighted indexed portfolios provided higher returns and lower volatility than the average actively managed fund. Thus, they suggest that a … [Read the rest]

Parting.com: Funeral Price Comparison Website

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Talking about death is always an awkward topic (even though it will happen to all of us), but this is my version of the many similar PSA-type funeral articles you'll come across in personal finance magazines and columns. The standard advice: If … [Read the rest]

The Power of Default Settings: 401(k) Auto-Enrollment

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A new ProPublica article by Lena Groeger discusses the power of default settings in our life - from organ donations to computer font settings. Included was an interesting case study of a company who implemented automatic enrollment into the company … [Read the rest]

New Fidelity Rewards Visa Credit Card Review: 2% Flat Cash Back

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Updated with new info for both new and existing customers. Fidelity has (mostly) converted their rewards credit card line-up to a single version - a Visa Signature issued by Elan Financial Services (subsidiary of US Bank). For new customers, the … [Read the rest]

Citi Prestige Card Review: New 40,000 Point Offer, Feature Changes

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Our partner Citi has relaunched the Citi Prestige® Card, their premium ThankYou point rewards card. The sign-up bonus is now 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open. Here are the … [Read the rest]

Housing Investment Returns = Price Appreciation + Rental Dividends

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Professer Robert Shiller has a new NY Times article entitled Why Land and Homes Actually Tend to Be Disappointing Investments. He computes the historical, long-term inflation-adjusted returns for both farmland and housing: Over the century from … [Read the rest]

Lifetime Allocation Pie Chart: Learning, Earning, and Returning

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You always see pie charts used to illustrate asset allocation for portfolios. Stocks, bonds, commodities, real estate, etc. How about a pie chart for deciding how to allocate your lifetime: This was one of the "life lessons" provided by … [Read the rest]

US Stock Ownership in Taxable vs. Tax-Deferred Retirement Accounts

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If I was going for a clickbait title, I'd say "No one invests in taxable accounts anymore". The Tax Policy Center has a new report by Rosenthal and Austin about how the share of U.S. stocks held by taxable accounts has dropped significantly over the … [Read the rest]

Comcast Internet Essentials Review: Affordable Internet Access For Low-Income Households

Comcast offers an affordable internet access program called Internet Essentials that provides high-speed internet service for $9.95 a month + taxes, a subsidized $150 computer with Microsoft Office, and free digital literacy training to eligible … [Read the rest]