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Three Pillars of Self-Determination: Autonomy, Competence, and Community

After reading the book Sapiens about how the history of our species affects our everyday experience, I found the related book Tribe: On Homecoming and Belonging by Sebastian Junger. Again, our genetic material hasn't had enough time to change much … [Read the rest]

Total Wireless 25% Off Coupon For Phone + Plan Purchase (Verizon MVNO)

Total Wireless is an Verizon MVNO that while not the overall cheapest, can be the best value to remain the Verizon network if you don't require unlimited data. $25/month gets you unlimited talk, text, and 1GB data. $35/month gets you 5 GB. Right … [Read the rest]

Mint Mobile New Unlimited Data Plan $30/Month (Stack w/ $45 off $90 AmEx Offer)

In my own phone, I use Mint Mobile to keep my cell phone costs low. They use the T-Mobile GSM 4G LTE and 5G networks, which means most phones are compatible and switching just requires swapping in a new SIM card. I don't use a ton of data (even … [Read the rest]

Amazon Audible: Two Free Audiobooks with Prime & Free 30-Day Trial

If you are an Amazon Prime member, check if you are targeted for a free 30-day trial to Audible Premium Plus which will include 2 free audiobook credits. This promotion appears to work even if you are a past Audible member (trial or otherwise), but … [Read the rest]

Amazon Prime Video: Watch Select TV, Get $5 Cheez-It Credit + $5 Prime Video Credit

Promo reset for September. Get compensated to watch TV through Amazon Prime Video with Cheez-it and Prime Video Credit. The time commitment of has increased to 8 hours this month. … [Read the rest]

Best Interest Rates on Cash – September 2020

Here's my monthly roundup of the best interest rates on cash for September 2020, roughly sorted from shortest to longest maturities. I track these rates because I keep 12 months of expenses as a cash cushion and also invest in longer-term CDs (often … [Read the rest]

AmEx Special Offers: $10 off $100 or $10 off $50 at Amazon (Targeted), Wondery+ Podcasts

New Amazon, Wondery+ offers. If you have any American Express card, here's a quick heads up to check for new "Amex Offers" added to your account. These are an easy way to earn some extra cash without buying any extra stuff you don't need. Many … [Read the rest]

Sapiens: Are We Happier And Better Off Than Our Ancient Ancestors?

Financial independence means freedom with your time, as you no longer need to spend it working for money. But the ultimate goal is really satisfaction and happiness in our lives. What do we need to get there? Are humans happier now than when we … [Read the rest]

DIY Home Office Idea: Amazon Door Desks

One of the reasons that Amazon, Walmart, and Costco have taken over retail is their relentless focus on low prices. This is both obvious and not-so-obvious, as it means turning down easy profits in the short-term in exchange for growing customers. … [Read the rest]

Refinance Window? 30-Year Fixed at 3%, But New Refinance Fee Added Soon

Mortgage rates have hit another all-time low, with some 30-year fixed rate mortgages below 3% and 15-year fixed below 2.5%. I know that many folks have already refinanced successfully, but these lower rates may offer even more homeowners the ability … [Read the rest]

Walmart Plus Membership Program w/ Free Delivery

Walmart is rolling out a membership program called Walmart+ that includes unlimited free delivery with no minimum order size. The cost is $98 a year or $12.95 a month, with a 15-day free trial period. Sign-ups start September 15, 2020. Here are … [Read the rest]

Charlie Munger: Huge Compilation of Annual Shareholder Letters, Interviews, Op-Eds, Speech Transcripts

Charles Munger is probably best known as the Vice Chairman of Berkshire Hathaway and longstanding investing partner of Warren Buffett. However, he has also been the CEO and/or Chairman of the Board of multiple other companies. This means there … [Read the rest]