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CBC Federal Credit Union 5-Year CD at 5.25% APY (Expired)

(Update: This offer is no longer available, but the credit union was very customer-friendly and did honor their rate for those that opened the account during the period when the offer was displayed on their website. You just had to call them up and … [Read the rest]

Investment Asset Classes: What Do You Really Need?

The Morningstar article Why Investment Complexity Is Not Your Friend points out that out of the thousands of available ETFs and mutuals available, most of them are so narrowly-focused that you really don't even need to consider them. What asset … [Read the rest]

Discover Bank Deposit Bonus: $150/$200 ($15,000/$25,000 Required)

Bonus still available in 2023. Discover Bank has an ongoing deposit bonus for new customers for their online savings account. If you open a new account through this link (currently shows promo code SAVE323W2 with expiration date 5/31/23) or this … [Read the rest]

Examples and Stories of Working Less on Purpose (to Live More)

My philosophy on financial freedom essentially boils down to believing you have the power to make choices that affect your life. Do not accept that the world is against you and that there is no point in trying. Everyone is dealt different cards, … [Read the rest]

Laurel Road Loyalty Checking Bonus $100 + $20/Month ($340 First Year Total)

Update: Before you do this checking bonus, see if you want to do the 5.00% APY + Up to $200 high-yield savings bonus first, because you can't do them in the reverse order. Original post: Laurel Road is a digital brand of KeyBank that reminds me … [Read the rest]

Chime Fintech App Review: $100 Simple Bonus

Simple $100 bonus. Chime is a popular fintech app with a simple $100 cash bonus (up from $50) after a single direct deposit of $200+ within the first 45 days of new account opening. To get this offer, you must be referred by an existing user. Here … [Read the rest]

Best Interest Rates on Cash – April 2023

Here's my monthly roundup of the best interest rates on cash as of April 2023, roughly sorted from shortest to longest maturities. We all need some safe assets for cash reserves or portfolio stability, and there are often lesser-known opportunities … [Read the rest]

MMB Portfolio 2023 First Quarter Update: Dividend & Interest Income

Here’s my 2023 Q1 income update for my Humble Portfolio. I prefer to track the income produced as an alternative metric for performance. The total income goes up much more gradually and consistently than the number shown on brokerage statements … [Read the rest]

MMB Humble Portfolio 2023 First Quarter Update: Asset Allocation & Performance

Here's my quarterly update on my current investment holdings at the end of 2023 Q1, including our 401k/403b/IRAs and taxable brokerage accounts but excluding our residence and side portfolio of self-directed investments. Following the concept of … [Read the rest]

Credit Suisse Global Investment Returns Yearbook 2023: The Equity Premium

The 15th edition of the Credit Suisse Global Investment Returns Yearbook is available for free download in a 54-page PDF Summary Edition version on the Credit Suisse website. This publication provides a nice "big picture" overview of the long-term … [Read the rest]

Money vs. Happiness, Round 3: Higher Income Correlates to Higher Happiness (Unless You’re Just an Unhappy Person)

Mo' money, mo' problems? Or more money, more happiness? Over the years, the media has picked up on academic studies trying to establish the relationship between the two, and it seems we have a new result from two initially conflicting researchers. … [Read the rest]

Refinery29 Money Diaries: Interview Questions Answered

I've always been fascinated by stories about money. There are just so many ways that people earn and spend their money, yet we rarely share because we are taught to be secretive about it. I recently discovered the Refinery29 Money Diaries such as … [Read the rest]