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10-Year S&P 500 Returns Tend To Cluster Around Triple-Your-Money Runs… or Stagnation

[Programming note: This week is our Spring Break, so I have scheduled some interesting charts that I've put aside as they provided interesting "food for thought". Comment moderation and e-mail replies will be delayed.] Here is an interesting … [Read the rest]

Plaid Data Privacy $58M Class Action Settlement (Venmo, Robinhood, Chime, SoFi, Coinbase, Etc)

Many online banking, stock trading, crypto, and fintech apps use the Plaid service to provide easy funding via your existing bank accounts. The price of this convenience is that you are providing some very sensitive data to a small, private … [Read the rest]

Live Oak Bank $200 Bonus on $25,000 Deposit (New and Existing Customers)

Live Oak Bank is an FDIC-insured internet bank that is focused on lending to small businesses. Right now, their savings account is offering a $200 bonus if you deposit $25,000+ in new funds into their online savings account by 3/31/22 via this … [Read the rest]

Best Interest Rates on Cash – March 2022 Update

Here's my monthly roundup of the best interest rates on cash as of March 2022, roughly sorted from shortest to longest maturities. I look for lesser-known opportunities available to individuals while still keeping your principal FDIC-insured or … [Read the rest]

Problems with TASC Denying Dependent Care Expense Reimbursement With No Reason Provided?

My muscles tense up with just the thought of dealing with health insurance claims and flexible spending account reimbursement. I feel they are both incentivized to deny your claims and thus put up layers and layers of bureaucracy in the hopes that … [Read the rest]

Capital One Venture X Rewards Credit Card Review: 75,000 Bonus Miles + $300 Annual Travel Credit

The Capital One Venture X Rewards credit card is the newest entry into the ultra-premium credit card category. It has a large new-cardholder bonus, loads of perks, and a hefty annual fee. The net result is a first-year value of well over $800! … [Read the rest]

Big List of Free Stocks For New Commission-Free Brokerage Apps (Updated 2023)

Updated. I have the strange hobby of trying out new fintech apps while also collecting their sign-up incentives. Here are several different brokerage apps that offer some variation of free stock trades, modern user interface, real-time quotes, and … [Read the rest]

Notes on Berkshire Hathaway 2021 Annual Letter to Shareholders by Warren Buffett

Berkshire Hathaway (BRK) released its 2021 Letter to Shareholders over the weekend, which is how Warren Buffett updates his fellow shareholders annually on the status of the business. Direct ownership of Berkshire Hathaway shares (above my passive … [Read the rest]

Schwab Lifetime Adjustable Income: Flexible Withdrawal Rules Based On Portfolio Survival Chances

One of the perpetual debates in retirement planning circles is withdrawal rates, AKA how much monthly income can you take from a portfolio. Once you nail down a withdrawal rate and retirement spending target, then you get Your Number - how much you … [Read the rest]

Have You Agreed to Pay the Price Required For Long-Term Stock Returns?

On March 6, 2009, the S&P 500 index hit 666.80, shedding 13 years of gains. 13 years! Guess how long it has been since March 2009? 13 years! Something to ponder as the possibility of more war looms ahead. I remember my portfolio being halved … [Read the rest]

Charlie Munger Daily Journal Annual Meeting 2022 Full Video, Full Transcript, and Highlights

Charlie Munger is now 98 years old and still answering questions at the 2022 Daily Journal Annual Shareholder Meeting. Yahoo Finance livestreamed the event again, and you can view the full two-hour recording on YouTube (embedded below, starts at … [Read the rest]

University of the People: Tuition-Free, Accredited Online Degrees in Computer Science, Business Administration (MBA), Education (M.Ed.)

Did you know that there exists a tuition-free, accredited, online university where you can obtain an Bachelor's degree in Computers Science, MBA, or Masters in Education for a tiny fraction of the cost of traditional universities? The University … [Read the rest]