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


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


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]

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Home Country Bias in Stock Market Investing


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


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


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


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


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


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


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


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]