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Best Interest Rates on Cash – February 2018

Short-term interest rates continue to rise, as are inflation expectations. Meanwhile, the megabanks make billions by pay you nothing for your idle cash. Here is my monthly roundup of the best safe rates available, roughly sorted from shortest to … [Read the rest]

401k Millionaire By Age 45: How Was It Possible?

With the ongoing bull stock market, more people are reaching $1,000,000 balances in their 401k every day. However, a more extreme claim is that someone reached this mark at age 45 with total employee contributions of only $300,000. Is that really … [Read the rest]

401k, 403b, 457, TSP Historical Contribution Limits 2009-2018

Employer-based retirement plans like the 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan are not perfect, but they are often the best available option to save money in a tax-advantaged manner. For 2018, the … [Read the rest]

Historical IRA Contribution Limits 2009-2018

Individual Retirement Arrangements (IRAs) are way to save money towards retirement that also saves on taxes. Each year, an individual's total contributions to both traditional and Roth IRAs cannot be more than a certain dollar limit. If you are … [Read the rest]

Khan Academy: Free Educational App of The Day

Khan Academy is a non-profit with a goal of offering a free, world-class education to anyone, anywhere. I noticed that Khan Academy was the iTunes App of the Day yesterday (Android link), and I found that they have definitely made a lot of … [Read the rest]

Infographic: Asset Type Breakdown by Net Worth

There are many things that can make up your net worth: cash savings, primary residence, car, IRA, taxable bonds, or private business interest. Visual Capitalist has a infographic called What Assets Make Up Wealth? that shows how this mix changes … [Read the rest]

Backdoor Roth IRA: Now Officially Supported by Congressional Intent?

In 2010, the tax laws were changed to eliminate the income limits on conversions from Traditional IRAs to Roth IRAs. Since Roth IRAs still have income limits on direct contributions, this opened up a "backdoor" where high-income individuals could … [Read the rest]

Royalty Exchange: Buying Music Royalty Rights as Income Investment

For many songwriters and musicians, their primary asset is the rights to their music. Instead of a house, they have intellectual property. Every time their song is bought for a film, streamed online, or aired on TV they receive a royalty … [Read the rest]

PenFed Power Cash Rewards Visa Card: 2% Cash Back With Military Service or Checking Account

Pentagon Federal Credit Union (PenFed), the 3rd largest US credit union by assets, launched the PenFed Power Cash Rewards Visa Card in 2017. This credit card offers up to 2% flat cash back with no earning caps and no annual fee. Here are the … [Read the rest]

Debitize: Will Making Your Credit Card Feel Like Debit Help You Budget? ($10 Bonus)

In our increasingly cashless world, I prefer to use credit cards over debit cards for a few reasons: Credit cards usually have better cash back, points, or rewards programs. Credit cards have additional features like free checked bags, … [Read the rest]

Anthony Bourdain: Taking One More Risk Changed Everything

Anthony Bourdain gets to travel around the world, eat great food, and hang out with interesting people. I have read a few of his books and enjoy his TV shows, but this YouTube video from 1 Step Away revealed some new details about how it all … [Read the rest]

Research Affiliates: 10-Year Asset Class Returns Forecast, Q1 2017

Investment advisory firm Research Affiliates has an interactive Asset Allocation tool that provides estimates of expected returns for many different asset classes and model portfolios. Their default model is based on valuations like the CAPE … [Read the rest]