OpenSignal and Sensorly: Free, Crowdsourced Cellular Coverage and Data Speed Maps

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A common frugal tip is to lower your cellphone bill by switching to a cheaper provider. Many of the cheaper options use the T-Mobile and/or Sprint networks, which in general have fewer cellular towers and coverage density. But what should really … [Read the rest]

Book Review: Money for Something – A Free Investing Primer

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There is always a demand for starter books on investing and personal finance, especially as graduation season is coming up again. Although they often cover similar topics, the execution varies widely. For example, I found Tony Robbin's "7 Simple … [Read the rest]

Pay Taxes With Credit Card: Lowest Fee Rates and Limited-Time Promotions

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We all know that personal income tax filings are due soon, but so are the first round of quarterly estimated taxes for 2016. Many of us with freelance or side-gig income must makes these payments in order to avoid a tax penalty at the end of the … [Read the rest]

New JetBlue Card Review from Barclaycard

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JetBlue has announced two new consumer credit cards - the JetBlue Card (no annual fee) and the JetBlue Plus card ($99 annual fee). These are both issued by Barclaycard, as JetBlue recently ended its credit card relationship with American Express. Are … [Read the rest]

Navy Federal Credit Union 0% APR No Balance Transfer Fee Promotion

NavyFed Credit Union has a limited-time promotion going on until Saturday, April 30th where if you do a balance transfer from an external financial institutions to your existing Navy Federal card, you'll get a 0% APR for 12 months with no balance … [Read the rest]

Top 10 Financial Advisor Firms With Highest Misconduct Rate

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There is a famous quote that Charlie Munger uses as an example of the inversion technique: Tell me where I’m going to die, so I won’t go there. Instead of focusing on things we should to help us, we can also simply avoid doing things that will h … [Read the rest]

They May Not All Be, But Your Financial Advisor Should Be a Fiduciary

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Right now, there is a big debate in Congress about whether the fiduciary standard should be required for all financial advisors that manage retirement accounts. A fiduciary requirement would include the following: They must exercise best … [Read the rest]

Index Funds vs. Hedge Funds: Buffett $1,000,000 Bet Update 2016

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We are now 8 years in on the 10-year bet between Warren Buffett and a successful hedge fund manager. In 2007, Warren Buffett challenged any hedge fund to a long-term bet against the S&P 500. He found a taker. Fortune magazine announced … [Read the rest]

Vanguard Target Date Retirement Funds: Embrace Your Inner Ronco Rotisserie Oven!

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I'm a fan of the Vanguard Target Retirement 20XX Funds. These Target Date Funds (TDFs) may not be perfect, but they are a low-cost, broadly-diversified, "set-it-and-forget-it" fund that I feel are consistently under-appreciated and easily maligned … [Read the rest]

Redeeming Citi Prestige ThankYou Points For American Airlines Flights

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It has been nearly a year since I picked up my Citi Prestige card (review), and I've done my best to take advantage of the available perks: - $250 in Airfare credit for 2015 - $250 in Airfare credit for 2016 - $100 statement credit to offset my … [Read the rest]

Vanguard ETF and Mutual Fund Expense Ratios (Last Updated May 2016)

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May 2016 Update. Added announcement links for April 2016, which included expense ratio reductions in their biggest and most popular funds. Highlights for this month: Vanguard Total Stock Market Index Fund. The largest stock fund, with $418.0 … [Read the rest]

Free State Income Tax E-File Options For All 50 States (Updated 2016)

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Re-checked and updated for 2016 (Tax Year 2015). With commercial tax prep software, it is always wise to note the cost of your state return and e-File as it may actually cost more than your federal return. As such, you may wish to do your state … [Read the rest]