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Low Stock Market Return Expectations For The Next Decade (2020-2030)

We've seen that stock market investors have been rewarded for investing regularly during the last decade. $10,000 invested in the Vanguard Target Retirement 2045 fund in January 2010 would have grown to $25,000 in January 2020. $10,000 invested … [Read the rest]

Chase Sapphire Cardholders: Free DashPass Membership (Up to 2 Years)

Chase has partnered with food delivery service DoorDash to offer free DashPass membership to select Chase credit cards for up to 2 years. DashPass is a subscription service that offers a $0 delivery fee and reduced service fees for subscribers … [Read the rest]

What If You Invested $10,000 Every Year For the Last 10 Years? 2010-2019

Now that you're done reading articles about what happened in 2019, how about stepping back and taking in the longer view? Most successful savers invest money each year over a long period of time, these days often into a target-date fund (TDF). It … [Read the rest]

SECURE Act Highlights: Summary of Retirement Plan Changes

I try to ignore talk about pending legislation, but the SECURE Act (Setting Every Community Up for Retirement Enhancement Act) has now been passed by Congress and signed into law by President Trump. Portions are effective as of January 1st, 2020. … [Read the rest]

Citi® Diamond Preferred® Card: 0% APR For 21 Months on Balance Transfers (Until October 2021)

One of the most common New Year's resolutions is to pay down debt. Rewards-earning credit cards may not be optimal for those carrying balances and thus more impacted by 18% interest rates than a relatively puny 2% back on purchases. Consider the … [Read the rest]

Free National Emerald Club Executive Elite Upgrade Sign-Up Link

The loyalty program for National Car Rental is called Emerald Club, which has a unique feature in that they maintain an "Emerald Aisle" where you can show and pick any car in that aisle based on your tier. The base Emerald tier (anyone can sign up … [Read the rest]

Major Asset Class Returns, 2019 Year-End Review

I used to add up my net worth every month (if not more frequently), but nowadays I limit myself to quarterly portfolio checks to coincide roughly with when my dividends arrive. There is so much daily noise about stock market prices these days that … [Read the rest]

5% Cash Back Cards: Gas Stations, Internet/Phone/Streaming, Grocery Stores – January thru March 2020

Activation reminder for 1st Quarter 2020. The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year … [Read the rest]

Vanguard ETF & Mutual Fund Expense Ratio Changes (December 2019)

Updated December 2019. Vanguard announced another round of expense ratio cuts to 56 of their mutual funds and ETFs. Here are a few highlights: Vanguard Total International Stock Market (VXUS) is now 0.08%. Vanguard Short-Term … [Read the rest]

My Money Blog Portfolio Income Update – December 2019 (Q4)

How do you turn a pile of money into income for the rest of your life? I have read hundreds of articles about this topic, and have found no ideal solution. Much of the advice applies to those aged 65+, but what about someone in their 40s with a … [Read the rest]

Domino’s Pizza Gift Cards: 25% Cash Back

MyGiftCardsPlus has a promotion with 25% cash back on Domino's Pizza gift cards for a limited time. For example, buy a $100 gift card and get $25 cash back. The gift card has no expiration. Limit $1,000 per household. While supplies last. I do … [Read the rest]

MMB Portfolio Asset Allocation Update, December 2019 (Q4)

Plenty of people will tell you what you should own, but I'd rather they just share what they actually own. Here's my year-end portfolio update for Q4 2019, including all of our 401k/403b/IRAs, taxable brokerage accounts, and savings bonds but … [Read the rest]