After dealing with the estate of a family member, I saw firsthand the benefits of simplifying my financial situation. (They need a better term than "death cleaning".) If not for me as I get older, definitely for my wife and/or kids in the future. … [Read the rest]
Could this be the biggest data breach ever? National Public Data (NPD), a background check company, was hacked in December 2023 and they finally admitted to have exposed the full Social Security Numbers from nearly everyone in the United States … [Read the rest]
Fidelity just added the ability to use any Authenticator app with standard TOTP multi-factor support. TOTP stands for Time-based One-Time Password. This includes Google Authenticator, Microsoft Authenticator, Duo, and 1Password. Previously, you … [Read the rest]
Updated with new big bonus for big spenders. The card_name is a rewards business charge card offering a big early spend bonus offer in addition to ongoing unlimited 2% cash back on all purchases (or better). Instead of a standard credit card where … [Read the rest]
Vanguard recently released the 2024 edition of their annual How America Saves report, a detailed, 113-page report targeted at industry professionals which looks across millions of their 401k, 403b, and similar defined-contribution retirement plans. … [Read the rest]
Professor Edward McQuarrie has recently published the final part in his 3-part series about long-term stock returns at the CFA Institute: Don’t Bank on the Equity Risk Premium What Price Risk? Unpacking the Equity Risk Premium (Part … [Read the rest]
If you'd like a little bit of comfort as a long-term owner of stocks, check out this chart from Ben Carlson at A Wealth of Common Sense. He looks at every rolling 22-year period (based on a reader request) between 1926 to 2023, and finds that the … [Read the rest]
The card_name is the premium co-branded rewards card for Marriott hotels. This card has a hefty annual fee, but a closer look reveals it's not as bad as it looks initially due to perks like flexible dining credits, airport lounge access, and elite … [Read the rest]
Ally Bank is one of my favorite banks in terms of user interface, practical features, customer service, and reliability. They were my primary checking account for years (the checking can auto-draft from the savings). Unfortunately, their savings … [Read the rest]
While it was welcome news that Fidelity now allows the Fidelity Government Money Market Fund (SPAXX) as a core position for their Cash Management Account as of June 2024, for many of us that reside in states with high state income tax rates, our net … [Read the rest]
Update: Existing Discover cardholders should note that right now you can get 5% to 20% of extra value to gift card redemptions at various retailers. Apple is at a 15% bonus, so $85 in cash back = $100 in Apple gift cards. Smaller increments are … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of August 2024, roughly sorted from shortest to longest maturities. There are lesser-known opportunities available to individual investors, often earning more money while keeping the … [Read the rest]
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