via GIPHY Here's my monthly roundup of the best interest rates on cash as of September 2021, roughly sorted from shortest to longest maturities. I look for lesser-known opportunities to earn 2% APY and higher while still keeping your principal … [Read the rest]
Best Interest Rates on Cash – September 2021 Update
September 8, 2021 By 4 Comments
Last updated: September 8, 2021
State Farm Homeowner Policyholders: Free Ting Electrical Fire Sensor + $1,000 Repair Credit
September 6, 2021 By 8 Comments
If you have State Farm homeowner's insurance, check to see if you are eligible for a free Ting smart sensor that monitors your home’s electrical wiring for faults that can lead to fires. Three years of Ting service is included, which includes a … [Read the rest]
Last updated: September 6, 2021
45 Years of the Vanguard S&P 500 Index Fund: The Power of Low Costs
September 3, 2021 By Leave a Comment
Just over 45 years ago on August 31st, 1976, the late Jack Bogle started the first index mutual fund at Vanguard. It nearly didn't get off the ground, garnering only 7% of the initial funding goal - it wasn't even enough to buy shares of all the … [Read the rest]
Last updated: September 3, 2021
American Express Membership Rewards: Airline and Hotel Points Transfer Bonuses, Up to 40%
September 2, 2021 By 2 Comments
If you have collected a nice stash of Membership Rewards (MR) points from American Express, you may want to log into your account and check out the many new transfer bonuses available to their airline and hotel partners. Waiting for one of these … [Read the rest]
Last updated: September 2, 2021
Albert Banking App Review: Smart Savings, No Fee $250 Cash Advances, $75 Referral Bonus
August 31, 2021 By 1 Comment
Albert is another new fintech "super app" that wants to combine your banking, budgeting, saving, and investing needs all in one place. On their paid "Genius" tier, Albert includes a team of humans that you can chat with and ask specific questions … [Read the rest]
Last updated: September 1, 2021
Crazy Rich IRAs: From Peter Thiel to Ted Weschler
August 31, 2021 By 6 Comments
Propublica recently reported that venture captialist Peter Thiel has a $5 billion Roth IRA. Essentially, he bought some lottery tickets using his IRA wrapper, and they paid off. The controversial part is that these lottery tickets weren't … [Read the rest]
Last updated: August 31, 2021
S&P 500 Returns by Components 1900-2020: Earnings Growth + Dividends + P/E Changes
August 29, 2021 By Leave a Comment
In the previous post How Much of Historical Stock Returns Is Due To P/E Ratio Expansion?, we saw how the S&P 500 historical average total return could be broken down into separate components of earnings growth, dividends, P/E multiple changes, and … [Read the rest]
Last updated: August 29, 2021
Weekend Listening: NPR Planet Money Summer School Investing Edition
August 27, 2021 By 3 Comments
In 2020, the NPR Planet Money podcast did a series called Summer School that focused on economics concepts. You can still listen to those, but the 2021 Summer School series is about investing. Hardcore personal finance geeks might come away … [Read the rest]
Last updated: August 27, 2021
Myth: It Took 25 Years to Recover From 1929 Stock Market Crash
August 26, 2021 By 5 Comments
Sometimes, it pays to scratch a little beneath the surface. In 2012, well-known behavioral scientist Dan Ariely published a paper that found that when people signed an honesty declaration at the beginning of a form, rather than the end, they were … [Read the rest]
Last updated: August 26, 2021
Chewy National Dog Day Sales: Spend $100, Get $30 Gift Card + 10% Off All Gift Cards
August 24, 2021 By 3 Comments
Online pet store Chewy.com is offering a variety of National Dog Day promotions: Spend $100, Get a $30 gift card on select Dog products. Decent selection of a variety of dog products. Look to see if your normal purchases are included. 10% off … [Read the rest]
Last updated: August 25, 2021
Best Visual Explanation of the Convexity of Long-Term Bonds
August 24, 2021 By 7 Comments
Long-term US Treasury bonds are often considered a good asset class to own due to their historically low correlation with stocks. When stocks go down, long-term bonds tend to go up (and vice versa). While the 30-year is not specifically included … [Read the rest]
Last updated: August 24, 2021
How Much of Historical Stock Returns Is Due To P/E Ratio Expansion?
August 23, 2021 By 4 Comments
According to Multpl.com, the P/E ratio of the S&P 500 is now 35, and the dividend yield is only 1.3%. The all-time low dividend yield was 1.11% back in August 2020. Even if you consider stock buybacks, the earnings yield is less than 3%! That … [Read the rest]
Last updated: August 23, 2021
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