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The Intriguing History of the 30-Year Fixed Rate Mortgage

As part of a complete personal finance education, I submit that the longread article Financing the American Home by Marc Rubenstein should also be required reading. I learned a lot of important facts about the history and meaning behind the 30-year … [Read the rest]

Potential Risks of High Interest Stablecoin Savings Accounts

As an extension of High-Yield Crypto Accounts: 6% Interest in Bitcoin or 9% Interest on Stablecoin, I'm trying to better understand the potential scenarios that might cause loss of principal. Even if you're tired of crypto talk, you should be aware … [Read the rest]

Marriott Bonvoy Boundless Card Review: 100,000 Points Limited-Time Offer (50k on No Fee Version)

New limited-time offer. The Marriott Bonvoy Boundless credit card is a travel rewards card that arose from the merger of Starwood Preferred Guest and Marriott hotels. Here are the highlights: 100,000 bonus points after you $3,000 in … [Read the rest]

Amazon Explore: Virtual Live Travel Experiences (First Free for Prime Members, Up to $50 Value)

Amazon Explore allows you to virtually "travel" and explore a new place with your own personal tour guide. There are tours, educational classes, interactive shows, and personal shoppers. For the tours, it appears that you get the equivalent of a … [Read the rest]

Free Character Traits Test: Identify Your Signature Personality Strengths

I'm now in Week 5 of the free Yale Happiness Course, which focuses on finding things that truly make you happy, as opposed to the 5 Surprising Things That Don’t Make You As Happy As You Think. For example, instead of equating a "good job" with … [Read the rest]

Influence: How Salespeople Use Your Mental Shortcuts Against You

Although not technically a "personal finance" book, Influence: The Psychology of Persuasion by Robert Cialdini should be required reading if they ever create a standardized curriculum for personal finance. In addition to being a professor of … [Read the rest]

Big List of Free Stocks For New Commission-Free Brokerage Apps (Updated 2021)

Updated offers. TradeUP 5 free stocks. I have the strange hobby of trying out new fintech apps while also collecting their sign-up incentives. Here are several different brokerage apps that offer some variation of free stock trades, modern user … [Read the rest]

OhmConnect: Get Paid For Saving Energy One Hour Per Week ($25 Sign-Up Bonus, CA Only)

Updated, new limited-time $25 bonus. OhmConnect works with consumers and their local utilities to lower energy costs and save money together. Before reading any further, it appears that cash payments are only for customers of PG&E, SDG&E or Southern … [Read the rest]

M1 Finance Review: Free DIY Robo-Advisor ($30 Referral Bonus, Up to $4,000 Transfer Bonus)

Updated. My favorite option in the now-crowded "robo-advisor" category is technically not a registered advisor at all, it is M1 Finance. Here's a quick rundown of what makes them different: Fully customizable. You pick your own target asset … [Read the rest]

Fidelity Spire App $100 Bonus, Fidelity Go Roboadvisor Warning

Updated, including new bonus and tax warning. Fidelity Spire is Fidelity's new mobile app, which adds fintech-y features and is separate from their main Fidelity app. You can link your external accounts, track balances, and set financial goals. … [Read the rest]

BBVA $250 Easy Bank Bonus: $200 Checking + $50 Savings (Back Again)

$250 bonus is back. In the current low interest rate world, easy bank bonuses have become more attractive way to boost your safe interest income. BBVA has brought back their popular $250 bonus promotion for a limited-time. $200 bonus for … [Read the rest]

MMB Portfolio Update April 2021: Dividend and Interest Income

While my April 2021 portfolio asset allocation is designed for total return, I also track the income produced. Stock dividends are the portion of profits that businesses have decided they don't need to reinvest into their business. The dividends … [Read the rest]