The Largest Consumer of Electricity In US Homes Besides A/C Is…

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Most people will guess that the heater and/or air conditioner is the biggest source of electricity usage in the average home. But what about the second-largest? The HD DVR Cable Box, at least according to the LA Times (what about water … [Read the rest]

Prosper vs. LendingClub Investor Returns 19.5 Month Update

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In November 2012, I invested $10,000 into person-to-person loans split evenly between Prosper Lending and Lending Club, looking for high returns from a new asset class. After diligently reinvesting my earned interest into new loans, I stopped my … [Read the rest]

Early Retirement Lesson #2: Earn More vs. Spend Less

travelplane

Here's more of my "old man wisdom" about early retirement. I call it that because the lessons that I learned may or may not fully apply to you, but they worked for me and that is why I'm sharing them. Last time I talked about savings rates and how … [Read the rest]

Cable Bill Haggling Revisited

Recently it was time again to haggle my cable bill (I still get a steady stream of success story comments on that post). Actually, I ended up just switching to DSL as I'd been having some ongoing speed issues with my cable internet. I'll take the … [Read the rest]

Groupon Deal: Starbucks $10 Gift Card for $5

Groupon is selling a $10 Starbucks Gift Card for $5. Limited quantities, otherwise ends 6/13. Why is free coffee so appealing? Limit 1 per person. I've already loaded my eGift card onto their handy smartphone app. Side deal: Get 15% off any … [Read the rest]

Early Retirement Lesson #1: Savings Rate

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I've now spent nearly 10 years and 10,000 hours actively reading, thinking, and writing about money and the pursuit of financial freedom. I've still got a few years until early retirement but I can finally see the finish line. I've been meaning to … [Read the rest]

How Often Should I Rebalance My Investment Portfolio? Less Than You Might Think

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An important tenet of portfolio construction is rebalancing your portfolio to maintain your desired risk profile and also provide the best risk-adjusted returns. The next question is usually - Okay, so how often do I rebalance? Well, this … [Read the rest]

Early Retirement Portfolio Update – June 2014 Income

There is an ongoing investing debate as to whether you should focus on income or total return. I personally believe that you should focus on total return but realize that income is a critical part of that total return. If you want to live off the … [Read the rest]

Early Retirement Portfolio Update – June 2014 Asset Allocation

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I want to get back to doing quarterly updates to our investment portfolio, which includes both tax-deferred accounts like 401(k)s and taxable brokerage holdings. Other stuff like cash reserves (emergency fund) are excluded. The purpose of this … [Read the rest]

Book Review: The Four Pillars of Investing

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Update: Yanking this one from waaaay back in the archives! Today (6/4) only, the Kindle eBook version of The Four Pillars of Investing is only $1.99. I read this book nearly 10 years ago, and I still have my hardcover copy sitting on my bookshelf. … [Read the rest]

Amazon Student: Buy $50 in Gift Cards, Get $10

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Amazon Student is running a gift card promotion where if you buy $50 or more of selected gift cards by June 15th, you'll get a free $10 gift code by June 30th. Give them as Father's Day gifts or use them yourself. (The $50 card with a faux wood … [Read the rest]

Citibank Checking Billpay and Mobile Check Deposit $100 Promotion

Citibank is running a $100 bonus promotion good for existing checking account customers. You have to first enroll in the offer by 7/31/14, and then you can earn $10 per month for doing each of the following activities from … [Read the rest]