Investing for the long run is easier if you temper your emotions with the knowledge that lower stock and bond prices today suggest higher future returns (and vice versa). Morningstar has just released the 2022 edition of their research paper The … [Read the rest]
My inbox has been seeing an uptick about structured products and fixed indexed annuities that offer "market-linked performance" or "market upside" with "downside protection". While below is my usual take on these products, I wanted to provide some … [Read the rest]
SkyOne Federal Credit Union has a $100 savings + $300 checking account promotion with qualifying direct deposits. New members only. There is also a separate $300 credit card bonus. Based in Hawthorne, California, membership is open nationwide … [Read the rest]
This is inadvertently turning into a multi-part series, mostly revolving about taking advantage of long-term TIPS to build guaranteed inflation-adjusted income. Are the current real TIPS yields worthy of locking in? The previous parts: 4% … [Read the rest]
I have to hand it to Robinhood, they are good at marketing. It took years, but Robinhood is finally offering Individual Retirement Accounts (IRAs) with the unique feature of giving you an extra 1% on every dollar you contribute, every year. … [Read the rest]
As a follow-up to my previous post on historical inflation (10-year rolling averages), how do periods of high inflation affect safe withdrawal rates for retirement portfolios? I reference a paper about Sustainable Portfolio Withdrawal Rates During … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of December 2022, roughly sorted from shortest to longest maturities. We all need some safe assets for cash reserves or portfolio stability, and there are often lesser-known … [Read the rest]
Advisor Perspectives has a nice chart of 150 years of historical inflation (1872-2022). I appreciate that it includes both the short-term monthly inflation numbers as well as the 10-year rolling average over this long period of time. A few … [Read the rest]
Updated for 2022. It's open enrollment season, and there is better than a 50/50 chance that you will enroll in a high-deductible health plan. That means that you are also eligible to contribute to a Health Savings Account (HSA), which has … [Read the rest]
Tuesday, November 29th is Giving Tuesday 2022, an international day about giving support through charities and nonprofits by donating money or volunteering your time. In case you aren't inundated with mailings already, this time of year is a big … [Read the rest]
Hope you had a nice Thanksgiving weekend! Enjoyed a little break before the holiday chaos begins. Here are a few low-hanging fruit that caught my eye as I jump back in. Must visit on website to see links. All Cyber Week gift card deals (scroll … [Read the rest]
The annual DiscountMags.com Black Friday Sale is one of the few times where they post their lowest prices for the year. The Black Friday sale actually lasts through Monday 12/5, but the Cyber Monday Bulk Sale only lasts through Wednesday … [Read the rest]
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