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Betterment Everyday Savings and Checking Review: 2.44% APY (Tied to Fed Funds Rate)

Updated. Betterment, best known for their automated portfolio management software, has added a high-yield savings product called Betterment Everyday Savings. An additional checking product is "coming soon". This product has several unique features … [Read the rest]

Bank of America Amtrak Guest Rewards Credit Card: 40,000 Points + $100 Statement Credit Offer

The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you over $1,000 value in Amtrak train fare. If the link doesn't load, visit Amtrak.com and start booking any reservation. Then go back and reload … [Read the rest]

Equifax Data Breach Settlement: Free Credit Monitoring vs. Reduced Claim

Update. As many of you correctly pointed out, only $31 million was allotted to the $125 alternative payment if you opted out of the free credit monitoring. The FTC has provided an update encouraging people to pick the free monitoring: I thought I … [Read the rest]

The Status Spending Test: Two Simple Questions About Your Car and Home

I feel like I've been reading a lot of backlash against the "latte factor". I agree buying a Starbucks latte every day will not directly lead to poverty, and forgoing it will not make you independently wealthy. However, sometimes a concrete example … [Read the rest]

Mint Mobile B3G3 Promo: 6 Months of Unlimited Talk, Text, 8 GB Data For $60 Total ($10 Per Month)

Mint Mobile is how I keep my cell phone costs low. They use the T-Mobile network, which means if you have a compatible phone switching just involves swapping in a new SIM card. It works just fine in my iPhone X. I am nearing the end of my first … [Read the rest]

Sprint Unlimited Kickstart: Unlimited Talk, Text, Data For $25/Month – Offer Expires September 5th

Update late July 2019: Sprint/T-Mobile Merger approved. T-Mobile and Sprint have been doing the merger dance since April 2018, which meant Sprint was still highly incentivized to make their subscriber numbers as high as possible. Around July … [Read the rest]

Vanguard Personal Advisor Services Portfolio Rebalancing Rules

If you read about investing in stocks and bonds, there is a lot of discussion about rebalancing your portfolio. Should you rebalance? When? How often? How much? Carl Ozeck contributes his thoughts on the Vanguard Blog article Capital gains are … [Read the rest]

Which Households Spend More, Less, or Exactly What They Earn? Breakdown by Income Level

In the post How Well Do Americans Balance Income and Spending? by the St. Louis Fed, they examine the breakdown of household spending as compared to income. In terms of the big picture, 55% of US households were net savers (earned more than they … [Read the rest]

Worthy Bonds Review: 5% Interest, Backed By Small Business Inventory Loans

Worthy Bonds are a fintech startup that offers you 5% interest by "supporting your fellow humans". You can invest a little bit at a time, even doing "round-ups" of your purchases. However, whenever you see an interest rate well above FDIC-insured … [Read the rest]

PeerStreet Real Estate-Backed Loan: Near-Foreclosure Example

I’ve invested in multiple real estate crowdfunding companies, and the one that I've put the most money into is PeerStreet. I posted my overall statistics in my PeerStreet review 2019, but here is a specific example of a loan that looked like it was … [Read the rest]

Fundrise Starter Portfolio eREIT vs. Vanguard REIT ETF Review – Updated July 2019

Updated July 2019. This post tracks my experiment comparing a Fundrise eREIT portfolio and the Vanguard REIT ETF. In Fundrise, we have a start-up that bought a concentrated basket of roughly 20 properties chosen from the private market. In … [Read the rest]

Hilton American Express Cards Limited-Time Offers – Up to 130,000 Hilton Points Each

Hilton Hotels has two American Express consumer cards, a no annual fee and a $95 annual fee version (with more perks of course). There is also a business card version. Right now, the consumer cards have a limited-time increase to their welcome … [Read the rest]