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


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


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


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


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


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


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


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!


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


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)


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)


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]