John Rekenthaler questions the industry-standard Target Date Fund glide path in the Morningstar article Should Target-Date Funds Allot More to Equities?. He runs tests comparing the traditional target date glide path alongside two … [Read the rest]
Typical Target Date Fund Glide Path vs. Simple Fixed Asset Allocation?
Posted on March 20, 2024 // 6 Comments
Cummins & Atmus Filtration Odd Lot Tender Opportunity (Final Result: $4,819 Profit)
Posted on March 19, 2024 // 48 Comments
Final update 3/19/24: Cummins has released the final results of this exchange offer. See original post below for past details, although the opportunity has passed. The final proration factor was ~6.99%. However, those with "odd lots" of 99 shares … [Read the rest]
Axos Bank Cashback Checking $300 Bonus w/ Direct Deposit
Posted on March 18, 2024 // 4 Comments
Updated with new offer. Axos Bank has a $300 bonus with relatively straightforward requirements using promo code FREEDOM300. You must open a new Cashback Checking account by 7/31/2024 and fund within 30 days of account opening. Set up direct … [Read the rest]
First Tech Credit Union: $300 Rewards Checking Account Bonus
Posted on March 18, 2024 // 3 Comments
Updated with new bonus details. First Tech Federal Credit Union has a new $300 checking bonus. This new promo is set to run through 6/30/24, but is specifically for their new Reward Checking account that pays up to 5.00% APY (on up to $15,000 … [Read the rest]
Social Security Optimizer by T. Rowe Price: New Free Retirement Income Tool
Posted on March 18, 2024 // 4 Comments
T. Rowe Price (TRP) announced a new free tool called Social Security Optimizer to help decide when to start claiming Social Security benefits. You enter information like age, marital status, life expectancy, spousal information, and "Monthly … [Read the rest]
Self-Paced CFP: Common Examples of Negligence by Financial Advisors (Course Notes #2)
Posted on March 14, 2024 // Leave a Comment
In keeping with my goal of finishing one course per month from the University of Georgia Self-Paced CFP education program, I wrapped up the first course "Fundamentals of Financial Planning" in February (barely). Here were the topics covered … [Read the rest]
Point.me x American Express Membership Rewards: Free Award Flight Search Tool
Posted on March 12, 2024 // Leave a Comment
American Express has partnered with the Point.me award travel tool to provide free flight searches for the airline loyalty programs that work with American Express Membership Rewards points. The special site is AmEx.Point.me, where you must log … [Read the rest]
Greenlight Debit Card For Kids: Free Subscription for PSECU Members ($60/year Value)
Posted on March 10, 2024 // Leave a Comment
Greenlight is a popular reloadable debit card service for kids, where parents can manage and track their kids spending. You can also add an allowance, payments for recurring chores or one-time jobs, and teach them compound interest via "parent-paid … [Read the rest]
UBS Global Investment Returns Yearbook 2024: The Haystack Keeps Changing
Posted on March 6, 2024 // Leave a Comment
The 25th edition of the UBS Global Investment Returns Yearbook is available for free download in a 56-page PDF Summary Edition version on the UBS website. (Credit Suisse took over the publication of this yearbook in 2009, and UBS was voluntold to … [Read the rest]
Best Interest Rates on Cash Roundup – March 2024
Posted on March 4, 2024 // 3 Comments
Here's my monthly roundup of the best interest rates on cash as of March 2024, roughly sorted from shortest to longest maturities. There are lesser-known opportunities available to individual investors, often earning you a lot more money while … [Read the rest]
Berkshire Hathaway 2023 Annual Letter by Warren Buffett: Notes and Commentary
Posted on March 3, 2024 // Leave a Comment
Berkshire Hathaway (BRK) released its 2023 Letter to Shareholders (also see full 2023 Annual Report), which Warren Buffett also uses as an educational instrument. As always, I recommend reading it yourself (only 17 pages total this year). I … [Read the rest]
Save App Review: 9.07% APY Advertised vs. 0.00% APY Actual Return on Market Savings From 12/2022 to 12/2023
Posted on February 29, 2024 // 96 Comments
Update February 2024: Save now provides a link to their actual returns for their 1-year Market Savings across all portfolios. But be careful, as much of what is shown at first glance is for products that haven't actually completed their entire … [Read the rest]
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