In 1940, the required age to receive full benefits from Social Security was 65. According to chart below, most people didn't even reach 65 at that time. Today, average life expectancies are over 11 years longer (and still rising), yet the full … [Read the rest]
Why Social Security Is Going Broke: Two Simple Charts
July 26, 2009 By 50 Comments
Last updated: July 26, 2009
The Hawthorne Effect and Better Money Management
July 24, 2009 By 18 Comments
I was reading an article in Wired Magazine about improving one's health with new personal metrics devices such as the Nike+iPod kit, which is a neat device that helps you easily track and records details about your running. Did you know that all it … [Read the rest]
Last updated: April 29, 2014
Warning: Banks Automatically Renew CDs Upon Maturity, 7-Day Grace Periods
July 23, 2009 By 37 Comments
It's hard to believe that back in August 2008, I was able to get a 5% APY 12-month CD from Washington Mutual (now Chase). Since it's almost time, I called today to see if I could designate how I wanted the funds to be disbursed upon maturity. … [Read the rest]
Last updated: March 9, 2015
Should Home Equity Be Part Of Your Portfolio Asset Allocation?
July 22, 2009 By 19 Comments
When people talk about asset allocation, they usually refer to the relative amount of stocks or bonds in their portfolio (like the model portfolios shown here). But I am occasionally asked whether to include personal home equity in asset allocation. … [Read the rest]
Last updated: July 22, 2009
Outliers: Hard Work, Luck, and Success
July 21, 2009 By 26 Comments
Why do some people exceed far more than others? This is the question asked by the book Outliers: The Story of Success by Malcolm Gladwell. The short book argues that most people erroneously believe that very successful people are primarily … [Read the rest]
Last updated: April 25, 2019
myFICO Coupon: 25% to 30% off Codes
July 20, 2009 By 3 Comments
Update February 2011: Use coupon code FICO25 for 25% off! Here's a newly released coupon for 25% off real FICO scores at myFICO.com. Use the promotional code FICOHELP25 to get 25% off, the best discount currently available: Update: For the … [Read the rest]
Last updated: October 15, 2011
3 Requirements For A Satisfying Job
July 20, 2009 By 12 Comments
Within the book Outliers by Malcolm Gladwell, I found a great distillation of the requirements for a satisfying job. Whenever I think of times when I have been unhappy, at least one of these things was missing. Autonomy. You get a role in … [Read the rest]
Last updated: April 25, 2019
Notes From A Kiyosaki Rich Dad, Poor Dad Series Audio CD
July 20, 2009 By 12 Comments
While going through some old boxes, I found an old CD case containing some audiobook recordings from a real estate program by Robert Kiyosaki and Dolf De Roos. I'm pretty sure they are from this set called Rich Dad's Roads To Riches - 6 Steps To … [Read the rest]
Last updated: April 25, 2019
Recasting/Re-amortization of Mortgage with Principal Prepayment
July 17, 2009 By 32 Comments
I'm getting ready to pay some extra money towards my mortgage loan, and remembered that I have an option to re-amortize my mortgage loan if I make a substantial principal prepayment. This is also known as "recasting" a mortgage. Basically, my … [Read the rest]
Last updated: May 19, 2012
Bank of America: $25 BillPay Promo For Existing Customers
July 17, 2009 By 12 Comments
BofA is also offering a $25 bonus to encourage existing customers to try out Online Billpay. Both personal and business accounts qualify. You have to register beforehand at the promotion page, and then pay 2 bills online within 30 days. I … [Read the rest]
Last updated: July 17, 2009
Bank of America Promotion Offer Code: $100 Bonus For New Accounts
July 17, 2009 By 22 Comments
Saw this on TV. Bank of America is offering a $100 bonus for new checking account customers, both personal and business. A new customer is a "person who is not currently a signer and who was not a signer within the last 6 months on a Bank of … [Read the rest]
Last updated: September 24, 2011
Martin Lodge-on-Wheels: 10’x20′ House for $37,900
July 15, 2009 By 36 Comments
While looking for more LendingClub P2P loans to fund today, I ran across a couple that was trying to buy a tiny home called a Lodge-on-Wheels. The current model is 10 ft. by 20 ft. and costs $37,900. I thought it was pretty neat to help fund … [Read the rest]
Last updated: February 13, 2012
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