Conventional advice has been that we should invest in some mix of stocks and bonds to reach our retirement goals. But as we've seen, rolling the dice on a varying return distribution every year can be quite stressful. What if we start our … [Read the rest]
Worry-Free Investing: Calculate Your Risk-Free Savings Rate For Retirement
December 17, 2008 By 11 Comments
Last updated: December 17, 2008
Suffering From Procrastination? Eat That Frog
December 15, 2008 By 11 Comments
To start off the week, here is a short video with one simple time-management tip: I think the actual quote by William James should be "Nothing is so fatiguing as the eternal hanging on of an uncompleted task". Either way, I find it very true. … [Read the rest]
Last updated: December 15, 2008
New PineCone Research Sign-up Link (Paid Surveys)
December 15, 2008 By 19 Comments
PineCone Research remains one of the better paying and reliable survey companies, with a payout of $3 for each 15-20 minute survey. The hardest part is getting accepted, as they only accept applications intermittently. Thanks to readers Tom and … [Read the rest]
Last updated: October 16, 2011
Lending Club P2P: Review of New Post-SEC Changes
December 14, 2008 By 21 Comments
Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating (everyone else either shut down or is in an SEC quiet period), let's take a look at some of the changes. You are now officially "investing" in … [Read the rest]
Last updated: August 2, 2017
Madoff Hedge Fund = $50 Billion Ponzi Scheme
December 13, 2008 By 29 Comments
Ah, hedge funds, so sexy with their "rich people only" requirements and secretive investments. I have been catching up on a bunch of news articles about Bernard Madoff, who was recently arrested after admitting that his hedge fund was "all just one … [Read the rest]
Last updated: December 13, 2008
WT Direct $250 Winter Bonus Update + Application Review
December 12, 2008 By 32 Comments
This is a follow-up about the WT Direct Winter Bonus promo good for up to $250 on top of their standard interest rate of 3.06% APY, if you open a new account and maintain a certain average balance for January and February. There is still time to … [Read the rest]
Last updated: October 25, 2011
Historical Distribution of Annual US Market Returns From 1825-Present: How Bad Was 2008?
December 11, 2008 By 19 Comments
Here is a chart that plots out the distribution of annual returns of the US stock market as measured by the S&P Market Index*. Guess where 2008 is so far? This chart does a great job to fix the assumption that some have that the 8% or 10% … [Read the rest]
Last updated: November 22, 2015
Saving More May Allow You To Take Less Stock Market Risk
December 11, 2008 By 14 Comments
Vanguard has a new article titled The importance of saving more, which tries to address evidence that investors may believe that "choosing investments that offer the possibility for relatively higher returns—and accepting the accompanying greater … [Read the rest]
Last updated: December 11, 2008
December 2008 Investment Portfolio Update
December 9, 2008 By 23 Comments
I've been trying to re-balance my portfolio using my recent 401k contributions, but I ran into some speed bumps, so here is a brief interim update. Retirement Portfolio Actual Target Asset Class / Fund … [Read the rest]
Last updated: December 9, 2008
Blockbuster & PayPal Promo: Pay For 1 Month, Get $25
December 7, 2008 By 45 Comments
Blockbuster Online is running a new PayPal promotion where new members can get a $25 rebate for signing up for any Blockbuster movie subscription trial and keeping (and paying) it for at least on month. Any plan qualifies. Their cheapest plan is … [Read the rest]
Last updated: May 19, 2012
Use Your Inactive Credit Cards At Least Once A Year
December 6, 2008 By 62 Comments
I just got a letter from Washington Mutual / Chase telling me that they have closed my credit card account with them effective November 14th, 2008. That's nearly a month ago! The reason stated was simply that I hadn't used it in over 12 months. I … [Read the rest]
Last updated: August 17, 2015
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