There are now trillions of dollars held by Target Date Funds (TDFs) inside employer-sponsored retirement plans like 401k's and 403b's, but you still don't see much coverage on them in the financial media. Perhaps they are too boring to grab clicks … [Read the rest]
Morningstar Target Date Retirement Fund Report 2021: Getting Better But Still Under-Appreciated
Posted on May 12, 2021 // Leave a Comment
Chase Co-Branded Credit Cards: Free 12 Months of DoorDash DashPass
Posted on May 12, 2021 // 2 Comments
Chase has expanded their partnership with DoorDash (and Caviar) to offer free DashPass membership for 12 months to co-branded Chase credit cards. DashPass is a subscription service that offers a $0 delivery fee and reduced service fees for … [Read the rest]
U.S. Bank Altitude Connect Visa Signature Card Review: 50,000 Point Bonus + 4X Points on Travel/Gas
Posted on May 10, 2021 // 2 Comments
US Bank continues its credit card expansion with the new U.S. Bank Altitude Connect Visa Signature Card, a premium travel rewards card which has a headline feature of 4X points on travel and gas stations, plus 2X points on dining and grocery stores. … [Read the rest]
Chase Business Complete Checking: $300 Bonus
Posted on May 10, 2021 // Leave a Comment
Run a small business? Chase Bank has a Business Complete Checking account promotion offering a $300 bonus for new customers. You enter your e-mail address, and you should be sent a unique promo offer code for your online application. Some of the … [Read the rest]
Best Interest Rates on Cash – May 2021
Posted on May 9, 2021 // 2 Comments
Here's my monthly roundup of the best interest rates on cash as of May 2021, roughly sorted from shortest to longest maturities. Included are some lesser-known opportunities to improve your yield while keeping your principal FDIC-insured or … [Read the rest]
2021 Berkshire Hathaway Annual Shareholder Meeting Video, Transcript, and Notes
Posted on May 6, 2021 // 5 Comments
Here are my notes on the 2021 Berkshire Hathaway Annual Shareholder Meeting (YouTube, transcript). It was nice to see things nearly back to "normal" with Buffett offering up some lessons and going into some side details, while Munger just gets to … [Read the rest]
Savings I Bonds May 2021 Interest Rate: 3.54% Inflation Rate
Posted on May 3, 2021 // 18 Comments
May 2021 predictions confirmed. The fixed rate will indeed be 0% for I bonds issued from May 1, 2021 through October 31st, 2021. The variable inflation-indexed rate for this 6-month period will be 3.54% (also as predicted). See you again in … [Read the rest]
Be Guaranteed to Own the World’s Most Valuable Companies in 2051
Posted on May 2, 2021 // 2 Comments
The 2021 Berkshire Hathaway Annual Shareholder Meeting was on May 1st, 2022 and is now available as a recorded video on Yahoo Finance and a handy Rev.com transcript. I expect the podcast version to be updated shortly. I recommend listening or … [Read the rest]
Are You Unknowingly a Time Billionaire?
Posted on April 30, 2021 // 1 Comment
The 2021 Berkshire Hathaway shareholder meeting is streaming live on Yahoo Finance this weekend, and I am reminded of a lesser known quote from Warren Buffett about what is truly valuable. I believe he has said this elsewhere, but I found it … [Read the rest]
Historical Asset Class Correlations: Which Have Been the Best Portfolio Diversifiers?
Posted on April 29, 2021 // 2 Comments
When talking about constructing an investment portfolio, you'll often hear about diversification and buying low-correlation or non-correlated assets. A positive correlation means that the assets tended to move in the same direction. A value of 1 … [Read the rest]
The Intriguing History of the 30-Year Fixed Rate Mortgage
Posted on April 27, 2021 // 7 Comments
As part of a complete personal finance education, I submit that the longread article Financing the American Home by Marc Rubenstein should also be required reading. I learned a lot of important facts about the history and meaning behind the 30-year … [Read the rest]
Potential Risks of High Interest Stablecoin Savings Accounts
Posted on April 25, 2021 // 3 Comments
As an extension of High-Yield Crypto Accounts: 6% Interest in Bitcoin or 9% Interest on Stablecoin, I'm trying to better understand the potential scenarios that might cause loss of principal. Even if you're tired of crypto talk, you should be aware … [Read the rest]
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