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Domino’s Pizza Gift Cards: 25% Cash Back

MyGiftCardsPlus has a promotion with 25% cash back on Domino's Pizza gift cards for a limited time. For example, buy a $100 gift card and get $25 cash back. The gift card has no expiration. Limit $1,000 per household. While supplies last. I do … [Read the rest]

MMB Portfolio Asset Allocation Update, December 2019 (Q4)

Plenty of people will tell you what you should own, but I'd rather they just share what they actually own. Here's my year-end portfolio update for Q4 2019, including all of our 401k/403b/IRAs, taxable brokerage accounts, and savings bonds but … [Read the rest]

Bank of America Free Museum Tickets 2019 Dates (+ New Holiday Dates)

(Update: BofA has added an additional six days of free museum admission in 2019, from 12/26-12/31. In case you need something extra and no-cost to do during the winter break! I just went back to the Thinkery in Austin, TX again recently and it … [Read the rest]

Long Cycles and Hot Asset Classes: Large Cap Growth vs. Value Stocks

As this decade comes to an end, I find it noteworthy that Large-Cap Growth stocks have outperformed Large-Cap Value stocks during most of the the 2010s. When I first started learning about investing in the previous decade of the 2000s, much was … [Read the rest]

Stocks, Bonds, and Gold: Historical Charts Since 1800

StarCapital Research has shared a series of interesting long-term charts comparing the long-term returns, drawdowns, and volatility of stocks, bonds, and gold over the last 220 years. There are also some stats on relative market valuations and … [Read the rest]

Keep or Close Old Bank Accounts? How To Manage Multiple Bank Accounts

In 2019, I opened new accounts at the following banks and credit unions in order to earn higher interest on my cash reserves. Some of the offers are now expired, but the idea is to show you that I do accumulate new accounts every year: SoFi … [Read the rest]

Solo 401k vs. SEP IRA Contribution Limit Example For $50,000 Income

I use a Solo 401k plan because it lets you contribute the most tax-deferred money for a modest amount of self-employed income. At the end of each year, I can more clearly estimate my total income for 2019 and thus my maximum contribution limits. … [Read the rest]

Best Interest Rates on Cash – December 2019

Here's my monthly roundup of the best interest rates on cash for December 2019, roughly sorted from shortest to longest maturities. I track these rates because I keep a full 12 months of expenses as a cash cushion and also invest in longer-term CDs … [Read the rest]

Fidelity Charitable Donor-Advised Fund (DAF) Opening Process Review

It took me an extra year to get around to it, but it only took me about 15 minutes to actually open and fund my new Fidelity Charitable Donor-Advised Fund (DAF). I even donated stocks instead of just cash, but the donating appreciated securities … [Read the rest]

Amazon Prime Photos: Free $15 Amazon Credit for First-Time Users

One of the perks of Amazon Prime membership is that you get unlimited cloud storage of your photos in full resolution. Amazon Photos is currently offering targeted users a free $15 Amazon promo credit if you download the Amazon Photos app (iOS, … [Read the rest]

The Double Tax Advantage of Donating Appreciated Stocks Directly

If you own stocks in a taxable brokerage account and make charitable donations, consider donating your stocks this year instead of just writing a check. Why? Given the all-time market highs, your stocks, mutual funds, and/or ETFs probably have … [Read the rest]

This Vanguard Chart Is Why Schwab Bought TD Ameritrade

The big news while I was on vacation was that Schwab bought TD Ameritrade for $26 billion in an all-stock transaction (press release). Well, first Schwab shaved off 17% of TD Ameritrade's value by cutting their trade commissions to zero, and then … [Read the rest]