Vanguard recently released the 2022 edition of their annual How America Saves report, a 110-page report targeted at industry insiders which looks at the nearly 5 million 401k, 403b, and other defined-contribution retirement plans. If you wish to … [Read the rest]
Jim Otar is a retired engineer-turned-financial-planner who has written many books and articles about retirement income. I recently found an old bookmark and reread his article Lifetime Retirement Income: The Zone Strategy from … [Read the rest]
At the top of many personal finance "To-do Lists" is to max out the employer match offered in your 401k/403b retirement plan. It's usually the first "savings" step after paying down high-interest debt and keeping up with your bills. Here's a … [Read the rest]
Facebook has proposed to settle a class action lawsuit alleging that they "improperly obtained and collected data from Facebook Users in the United States who visited non-Facebook websites that displayed the Facebook Like button between April 22, … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of August 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 opportunities … [Read the rest]
Capital One credit cardholders can get 6 months of free access to 100+ museums worldwide via The Cultivist (valid for cardholder & up to three guests). Visit thecultivist.com/capitalone and input the 16 digits of your eligible Capital One credit … [Read the rest]
The next eligible Museums on Us weekend is August 6th & 7th. Bank of America is running their Museums on Us program again for 2022, which offers debit and credit cardholders free admission to 225+ museums, science centers, and botanical gardens … [Read the rest]
Initially, I viewed Never Split the Difference: Negotiating As If Your Life Depended On It by Chris Voss as a tactical financial book for specific situations: buying a car, negotiating a salary, buying a home, renegotiating rent, or any number of … [Read the rest]
US Bank has a $400 new checking promotion when you open a new Platinum, Gold or Easy U.S. Bank checking account with $25 minimum and complete the following: Enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your … [Read the rest]
How long will this bear market last? What is the longest that the S&P 500 index number we always see on TV (which doesn't include dividends) stayed below its initial value? Here is an interesting chart "Probability of a lower S&P 500 by number of … [Read the rest]
Here's a good question from reader Elizabeth in response to yesterday's post about buying Treasury bonds on the open secondary market: One thing I’m interested in is on that same table you shared - Corporate bonds rated BBB are around 6% for 5 … [Read the rest]
Here is quick walkthrough from buying a (roughly) 1-year Treasury bond on the secondary market via my Fidelity brokerage account. Please note that I am not a professional bond trader nor a tax professional, and I won't be able to cover every … [Read the rest]
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