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My Unconventional Best Work-From-Home Gear Guide (What’s Yours?)

I'm quite familiar with working from home in my tiny 78 sq. ft. "office", but after looking at some online WFH gear guides recently, it's all about standing desks, latest laptop models, and USB hubs. Eh? My desk is a basic folding table and my … [Read the rest]

Bank of America Paycheck Protection Program (PPP) List of Required Documentation

As a follow-up to my initial post on the Paycheck Protection Program (PPP), there has been a some speculation as to the specific documentation required to prove your eligibility and payroll numbers. Each lender may have some discretion as to … [Read the rest]

US Stocks vs. International Stocks vs. US Bond Index Returns Since 2000

If you can take it, here is some more humbling food for thought. Here is a comparison of the growth of $10,000 invested in either the Total US stock, Total International Stock, or Total US bond index fund from the beginning of this century … [Read the rest]

Paycheck Protection Program (PPP): Forgivable SBA Loans For 2.5x Monthly Payroll

If you are a small business impacted by COVID-19, including self-employed and independent contractors, you have hopefully been following the developments of the Paycheck Protection Program (PPP) and the Economic Injury Disaster Loan Emergency Advance … [Read the rest]

Best Interest Rates on Cash – April 2020

The Federal Reserve further cut their target Fed Funds Rate to zero in March, so we continue to see a steady stream of rate drops on cash savings. I hope that some of you got a nice rate locked-in if you tried to refinance your mortgage. Here's … [Read the rest]

National Emergency Library: Free Digitized Book Access During Pandemic

It is estimated that 1 in 5 students across the world are currently unable to attend school. In response, the Internet Archive opened the National Emergency Library, which suspends the normal lending waitlists on its 1.4 million digitized books. … [Read the rest]

CARES Act: Stimulus Checks, Unemployment, Student Loan, IRA/401k, HSA/FSA Changes

In response to the coronavirus outbreak, the federal government approved a third round of economic relief. There is plenty of media coverage, but after reading multiple articles I noticed that nearly all of them miss at least one thing that another … [Read the rest]

The Hype Cycle of DIY Investor Self-Confidence

In an article about the challenges of autonomous vehicles, I came across a chart of the Hype Cycle from the consulting firm Gartner that supposedly models the life cycle of new technology: Maybe it's just me, but I found this curve to also … [Read the rest]

Good Time to Convert Traditional IRAs to Roth IRAs?

It might be a little painful, but it may be worthwhile to check on your pre-tax IRAs during this dip. If you have been thinking of converting your "Traditional" IRAs over to Roth IRAs, your shrunken gains will lead to a smaller tax bill now, while … [Read the rest]

Amazon & Target Buy 2 Get 1 Free Board & Video Games, Targeted $5 eBook Credit

Amazon and Target have a few sales on video games and board games to help with that cabin fever. Amazon.com. Get 3 for the price of 2 on board games and video games. Also, check to see if you are targeted for this Amazon Spend $20 Get $5 eBook … [Read the rest]

Sprint Unlimited Kickstart: Unlimited Talk, Text, Data For $35/Month

Sprint has an Unlimited Kickstart plan with unlimited talk/text/data for $35 per month, per line. No annual contracts. You can bring over your own compatible phone, or buy one from them. Online orders only. New customers only. Requires port-in of … [Read the rest]

Tiny Beautiful Things: Knowing The Right Path But Afraid

My favorite non-financial genre is nonfiction travel books, and after finishing the bestseller Wild: From Lost to Found on the Pacific Crest Trail by Cheryl Strayed, I quickly moved on to her compilation of life advice columns called Tiny Beautiful … [Read the rest]