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The Toddler IRA: Should My 3-Year-Old Have a Tax Shelter?

I love my Roth IRAs. They just keep on growing tax-free and never send me any annoying tax documents. Vanguard has a post about Working teens and Roth IRAs. I like the idea of a teenager putting some hours in at Jamba Juice and having the … [Read the rest]

Navy Federal CD Special: 5-Year Share Certificate at 3.50% APY

New offers. Navy Federal Credit Union is the nation's largest credit union, but is primary limited to those with a military relationship. However, their membership now includes veterans and family members of veterans. Here are their current … [Read the rest]

Healthywage Review: Bet on Yourself, Get Paid To Lose Weight ($100 Prize Bonus)

(Update: HealthyWage is offering a $50 Prize Boost for a limited-time. Joining during a promo is a good time to boost your winnings.) After reading academic studies which found that financial incentives were effective in helping people lose … [Read the rest]

Can You Teach Your Kid To Be Rich?

There is an ongoing debate about personal finance education in school. It sounds like a good idea, but multiple studies have found that financial literacy classes don't really improve future behavior. It may be too much to expect an easy fix to … [Read the rest]

Amazon Prime: Spend $10 at Whole Foods, Get $10 Amazon Credit on Prime Day

Amazon Prime Day 2019 is going to start on July 15th, where they offer big discounts because the holidays are too far away. If you're selective, you can grab some nice savings and promo deals. Here is a $10 Whole Foods promo - if you are an Amazon … [Read the rest]

Best Interest Rates on Cash – July 2019

Here's my monthly roundup of the best interest rates on cash for July 2019, roughly sorted from shortest to longest maturities. Rates are dropping a bit, but it still pays to shop around. Check out my Ultimate Rate-Chaser Calculator to get an idea … [Read the rest]

Is Your Stock Broker Quietly Charging As Much As a Robo-Advisor?

Here's an educational post on How Discount Brokerages Make Money by Patrick McKenzie. It seems reasonable that a DIY investor understand these sources of revenue at a basic level: net interest, commissions, asset management fees, wealth management … [Read the rest]

Lesser-Known Cheap Talk & Text Only Cell Phone Plans on Every Network – From $1 a Month

Updated 2019. Cell phone bills are getting cheaper than ever. Have you checked prices recently? All of the major networks sell wholesale minutes to MVNOs (Mobile Network Virtual Operators), which they in turn sell at a significant discount to … [Read the rest]

Lesser-Known Cheap Data Cell Phone Plans on Every Network (3 GB from $15/Month, 5 GB from $20/Month)

Updated 2019. Cell phone bills are getting cheaper than ever. Have you checked prices recently? All of the major networks sell wholesale minutes to MVNOs (Mobile Network Virtual Operators), which they in turn sell at a significant discount to … [Read the rest]

Which Airline Miles Are Easiest To Redeem For Economy Awards? 2019

Cashing in your frequent flier miles for a free flight can be hit or miss, especially around a holiday. Which airlines are the most generous with making seats available? Each year, consulting firm IdeaWorks tries to run a fair comparison of all … [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]