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Historical 20-Year Rolling Real Returns: Stocks vs. Bonds (1926-2023)

One of the problems with personal finance content is that there are really only so many ways you can say "buy a low-cost stock index ETF and do nothing for 20+ years". The pressure to make it more complicated is quite intense, if only to cure your … [Read the rest]

Capital One 360 Savings Deposit Promo ($300 to $1,500 Bonus)

Capital One has brought back a deposit promotion worth up to $1,500 for new 360 Performance Savings accountholders. It's a good bonus, but only for "new" customers and those that are willing to keep an eye on things. Here's their definition of … [Read the rest]

Charlie Munger Acquired Podcast Interview w/ Transcript (October 2023)

The Acquired Podcast has new episode with Charlie Munger. As usual Charlie was candid and dropped some truth bombs, although we never quite get to hear what he really thinks about venture capital... 🤐 If you scroll down on the page, you'll … [Read the rest]

New & Improved “No Risk” Portfolio: Stock Upside with 100% Guarantee to Beat Inflation

Allan Roth has another thought-provoking article called Beat Inflation Handily, and Risk-Free with a very attractive proposition: Do you want an expected return of nearly 6% annually above inflation but also want to be assured you will beat … [Read the rest]

Savings I Bonds November 2023: 1.30% Fixed Rate, 5.27% Total Composite Rate

Savings I Bonds bought from November 1, 2023 through April 30, 2024 will have a fixed rate of 1.30%, for a total composite rate of 5.27% for the first 6 months. The semi-annual inflation rate is 1.97% as predicted (3.94% annually), but the full … [Read the rest]

Target RedCard 5% Off Purchases, $50 Off For New Applicants (New Reloadable Version)

(Update: New $50 limited-time offers for new RedCards, including new Reloadable version with no credit check. Offer expires 12/9/23.) The Target RedCard offers 5% off all Target purchases both online and in-store (Target gift cards excluded, … [Read the rest]

Robinhood ACAT Bonus: 1% of Assets Transferred w/ No Cap, Two Year Minimum Hold

Robinhood is looking to gather some assets, rolling out a new ACAT Transfer bonus of a flat 1% of the transferred amount with no cap. That means a transfer of $10,000 in asset value from an external brokerage account will earn a $100 bonus, a … [Read the rest]

PeerStreet Bankruptcy News: 95% of Uninvested Cash Released (Updated October 2023)

Update October 2023: Peerstreet e-mailed creditors on 10/18/23 that you can get 95% of your "investable cash" back by logging into your account and manually requesting a withdrawal. It will not be done automatically, so be sure to make that … [Read the rest]

Treasury Bills + State Income Tax Exemption = 6%+ Effective APY (October 2023)

I've mentioned this before, but here's a quick reminder as the tax-equivalent yields are now at 6% APY in most states with income taxes (anything 5% and up, see above graphic). Due especially to high state income taxes, my cash is mostly held in … [Read the rest]

Pet Deals: Amazon $30 off $100, Chewy Free $30 Gift Card w/ $100 Purchase

Chewy and Amazon are offering some decent discounts on pet products: Save $30 when you spend $100 on qualifying pet products at Amazon. Enter code AF2711A3 at checkout. Must be "sold by Amazon.com". Over 1,000 qualifying items. Limit one … [Read the rest]

Domain Money: 6% APY Savings Account (No Longer Available On Free Tier)

Update: As of 10/27/23, the 6% APY savings account is no longer showing as available on the free tier. You must be on the $79/month tier to get it now. I wonder if they will grandfather the existing users, otherwise that is a bad look for a … [Read the rest]

TIPS vs. Treasuries vs. Total Bond Funds, Historical Performance 2008-2023

I hold close to 50/50 US Treasuries and TIPS for the bond portion of my portfolio. This is an area where my portfolio differs significantly from most "model portfolios" you'll find from the major fund companies and robo-advisors. While buying more … [Read the rest]