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5% Cash Back Cards: Gas Stations, Restaurants, PayPal, and Travel – July thru September 2019

Activation time for 3rd Quarter! The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without … [Read the rest]

Kindle Unlimited Promotion: 3 Months Free for Prime Members ($9.99 for Non-Prime)

Amazon is offering a free 3-month trial of Kindle Unlimited for Prime members. Non-Prime members are offered an discounted price of $9.99 for 3 months. Deal expires on 7/31/19. You can have been a previous Kindle Unlimited member (trial or … [Read the rest]

Stocks and Bonds Asset Class Correlations 2009-2019

Morningstar has an educational series on How and Why to Invest in Bonds, and one of the included articles What Role Do Bonds Play in a Portfolio? had an interesting chart of the correlations between several major asset classes for the past decade up … [Read the rest]

Jack Bogle on Mailbox Money

While poking around the Bogleheads investing forum, I came across a thread discussing a 2015 interview with the late Jack Bogle that touches on the topic of mailbox money in retirement. First, a nice dose of Bogle common sense: If anybody … [Read the rest]

Even A Little Paid Work Makes You Happy

Over the weekend, I saw a local news piece on how the "average person needs only eight hours of work per week to be happy". The source was a paper in the Social Science and Medicine journal titled A shorter working week for everyone: How much paid … [Read the rest]

Southwest Credit Card Bonuses Toward 2019/2020 Companion Pass to Hawaii (Up to 80k Points)

New 80,000 point business card bonus, perfect for those aiming at Companion Pass! Southwest Airlines offers a unique feature called the Companion Pass, which lets you pick one person to fly with free when you book either paid or award flights. If … [Read the rest]

Immediate Annuity Payout Rates vs. Long-Term Bond Interest Rates

I'm still learning about immediate annuities as a potential future income stream, and came across this article about the relationship between immediate annuity payout rates and interest rates. (Note: I am not talking about … [Read the rest]

Navy Federal Membership Open to Veterans and Family Members

Navy Federal Credit Union is the nation's largest credit union and has recently surpassed $100 billion in assets as reported by DepositAccounts. I can understand their growth, as many of their financial products have very competitive rates, … [Read the rest]

Chase World of Hyatt Card Review: 50,000 Bonus Points, 10% Back Promotion

(Existing or new World of Hyatt or the Hyatt Credit cardholders: Register for this promotion to get 10% back of any Hyatt points you redeem between July 1st and September 2nd, 2019. You must register before July 15th and finish your stay by … [Read the rest]

Citi Premier Card Review: 60,000 Points = $750 in Airfare Booked at, $95 Annual Fee

The Citi Premier Card has changed up their sign-up bonus to 60,000 bonus points (worth $750 in airfare booked at with a $95 annual fee for the first year (not waived). Here are the highlights: 60,000 bonus ThankYou points after … [Read the rest]

Home Bias Against International Stocks: Lower Past Performance vs. Cheaper Valuations

One the big decisions in portfolio construction is how much to allocate between US stocks and non-US stocks. You won't find universal agreement on a correct answer, but this Morningstar article Investors Have Fewer Reasons Than Ever for Home Bias … [Read the rest]

My Money Blog Portfolio Income and Withdrawal Rate – June 2019 (Q2)

One of the biggest problems in retirement planning is making sure a pile of money lasts through your retirement. I have read hundreds of articles about this topic, and still haven't a perfect solution to this problem. Most recently, I looked into … [Read the rest]