My 529 Plan Asset Allocation, Part 3: Final Decisions


After probably too much thought, I have settled on an investment plan for our two 529 college savings plans (one per kid). My circumstances and preferences are unique and likely different than yours, but as usual I will share my process and final … [Read the rest]

Bogle 10-Year Stock and Bond Return Forecasts, December 2015


As a follow-up to Vanguard founder Jack Bogle's 2015 stock market prediction paper and related Morningstar article, here are a few selected slides from the presentation deck by Jack Bogle at the Bogleheads XIV conference in October … [Read the rest]

Free Rideshare Promo Codes: Uber, Lyft, Gett, Sidecar, Curb, And More


Updated, possible $20 free credit for existing Uber customers, new codes for both new and existing Silvercar customers. Summon everything from your phone! Most of these startups offer bonus credit for first-time users. If you live in a major … [Read the rest]

GMO 7-Year Asset Class Return Forecasts, December 2015


As 2015 winds down, here is a snapshot of the asset class forecasts provided by GMO and the most recent market commentary by co-founder Jeremy Grantham. You can access both of these at, although some items require free e-mail … [Read the rest]

5% Cash Back Credit Cards: Rotating Categories Update 2016


Activation for 1st quarter 2016 now open. The credit cards below offer a hefty 5% cash back on certain categories that rotate each quarter. It takes a little extra attention, but I also rack up over a hundred dollars in additional rewards per year … [Read the rest]

Financial Independence Heat Map: Starting Age vs. Savings Rate


If you are into podcasts and enjoy long conversations about higher-level personal finance topics (put that in your dating profile!), check out the Radical Personal Finance podcast. I've only listened to a few, but I enjoyed Episode 181 on The Impact … [Read the rest]

Free 1,100 Le Club AccorHotels Points = 550 Delta SkyMiles


Promotion has expired. Accor Hotels is a huge hotel network, especially in Europe. Their new Rewards Quest game promotion will net you over 1,000 free points in their Le Club AccorHotel loyalty program, all in under 5-10 minutes. You don't even … [Read the rest]

The Economics of Reality Court TV Shows (Behind-The-Scenes)


Have you ever wondered how the participants get paid in court TV shows like Judge Judy, Judge Joe Brown, or The People's Court? Over the weekend, I got this tweet from a casting director for a new court TV show where a celebrity gets to be the … [Read the rest]

Pay with Chase Ultimate Rewards Points at ($10 First-Time Bonus)


If you have Ultimate Rewards points accrued from Chase credit cards, you can now use them to buy eligible items at The redemption rate is 1 Ultimate Rewards points = 1 cent at Amazon, which is the same rate as their statement credit … [Read the rest]

Curbside App: Get $20 off Target “Drive Thru Window” (Limited Locations)


Curbside is a new app that adds a "drive thru window" to local stores like Target, Best Buy, or Home Depot. You order stuff with your smartphone (iOS or Android), and pick it up without parking your car. No handling fees, no markups. An … [Read the rest]

FileThis App Review: Automatically Backup Your Online Statements


A few months ago on my post about Paperless vs. Paper Statements, I received this helpful comment from reader Daveraham: I like the services It’s setup similar to MInt, where it stores account information, but instead of fetching d … [Read the rest] Extra 25% Off Another Print Book


New code so you can get 25% off again. Good through 12/13 Midnight Pacific. Take an extra 25% off any book at with promo code 25OFFBOOK. Print books only, max $10 off, must by sold and shipped by Valid until December 14, … [Read the rest]