Spotify Premium paid subscribers (both new and existing) can get a free Google Mini smart speaker. New subscribers can join Individual for $9.99 a month or Family for $14.99 per month and get a free promo code. There is no minimum monthly … [Read the rest]
The theory behind financial independence is simple. Spend less, save more, invest it into income-producing assets. The reality is complex, full of daily decisions about balancing income and spending. The Morningstar article (yes, M* is writing … [Read the rest]
All this talk about portfolio rebalancing is to improve your risk-adjusted return, not to maximize absolute returns. You are trying to squeeze the most return out of a given degree of risk. Otherwise, if you do nothing eventually whatever has a … [Read the rest]
Here's a drawback to US savings bonds that you might not have considered: Savings Bonds are easy to forget about. Paper savings bonds are often left in safe deposit boxes and forgotten. Electronic savings bonds do not generate a paper trail … [Read the rest]
Fidelity, Schwab, TD Ameritrade, E-Trade, Interactive Brokers, Ally Invest all now offer free stock trades. Vanguard offers free trades on all ETFs, not just their own. The new differentiators are things like user interface, customer service, and … [Read the rest]
Apparently, my rule of thumb about affording cars isn't exactly going viral. If you are serious about financial freedom, you shouldn't be taking out loans for luxury items. A new car is a luxury item! Basic transportation will cost you under … [Read the rest]
Robinhood brokerage has finally re-launched the high-interest cash sweep option after their failed (and illegal?) 2018 mash-up of checking accounts and SIPC-insurance. Robinhood Cash Management is basically what many other places like Betterment … [Read the rest]
The financial news industry loves to provide constant updates of the S&P 500 along with endless guesses as to why it blipped up or down. I like reading about finance and it still drives me crazy! It just makes people focus on the short-term and … [Read the rest]
Here's my monthly roundup of the best interest rates on cash for October 2019, roughly sorted from shortest to longest maturities. Rates are lower across the board due to the recent Fed rate cut. I track these rates because I keep a full 12 months … [Read the rest]
Update: Fidelity, Schwab, TD Ameritrade, E-Trade, Interactive Brokers, Ally Invest all now offer free stock trades. The new differentiators are things like user interface, customer service, and interest on cash sweep accounts. Original … [Read the rest]
Vanguard has been relatively quiet after an SEC filing revealed their plans for a new digital-only advisory service called Vanguard Digital Advisor Services (VDAS). They have yet to send out any press releases or direct announcement about their new … [Read the rest]
When the topic of early retirement comes up, a common question is "Are you concerned about health insurance?" I could be a cheerleader and say "nah no big deal", but to be honest it has impacted my early retirement plans. Not only are the costs … [Read the rest]
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