Unison is a "home co-investment" start-up, which means it wants a share of the equity of your home. If your home value goes up, then it wants some of the gain. If your home value drops, then it will absorb some of the loss. In exchange, the … [Read the rest]
I'm not a Instagram travel blogger and I'll never visit every country in the world, but I do earn enough points from navigating the top credit card offers to fund a big chunk of our annual travel each year. We are a family of five including a … [Read the rest]
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]
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 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]
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]
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]
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]
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]
While poking around the Bogleheads investing forum, I came across a thread discussing a 2015 ETF.com 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]
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]
I'm still learning about immediate annuities as a potential future income stream, and came across this ImmediateAnnuities.com article about the relationship between immediate annuity payout rates and interest rates. (Note: I am not talking about … [Read the rest]
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