Here's an update on my current investment holdings as of April 2021, including our 401k/403b/IRAs, taxable brokerage accounts, and savings bonds but excluding our house, cash reserves, and a small portfolio of self-directed investments. Following … [Read the rest]
MMB Portfolio Update April 2021: Asset Allocation & Performance
Sam Adams: Get Vaccinated, We’ll Buy You A Beer ($7 via CashApp)
Samuel Adams is offering to buy your first beer back ($7 sent via Cash App*) if you send them proof of your COVID vaccination starting Monday, April 12th. See their #ShotForSam page for details. First 10,000 only. Starting April 12th, post your … [Read the rest]
Retirement Savings Rule of Thumb: What Multiple of Income Saved By Age 50?
The WSJ article How to Know if Your Retirement Savings Are on Track tries to answer what is likely a very common question: My wife and I are in our early 50s. We hope to retire in about a dozen years, and we are trying to figure out if our nest … [Read the rest]
American Airlines 40th Anniversary Prize Drawing: Free Miles
American Airlines has a new 40th anniversary promo game where you can earn some prizes like free AAdvantage miles or Admirals Club access (grand prize is 1 million miles). I signed-in, clicked around for under 5 minutes, and walked away with free 40 … [Read the rest]
Best Interest Rates on Cash – April 2021
Here's my monthly roundup of the best interest rates on cash as of April 2021, roughly sorted from shortest to longest maturities. There are many lesser-known opportunities to improve your yield while keeping your principal "safe" (FDIC-insured or … [Read the rest]
Happiness Illusions: 5 Surprising Things That Don’t Make You As Happy As You Think
I've managed to reach Week 3 of the free Yale Happiness Course (it was 50/50 that I'd quit by now), and I've been pleasantly surprised so far. I like to think that I've read most of these "happiness" tips, but there were several new bits that were … [Read the rest]
Uber Eats Promo Code: 50% Off Pickup Order
If you use Uber Eats, enter the promo code TRYNOW50 for 50% off your next pickup order (max discount $15). Look under "Account" and then "Promotions" to enter the code. This worked for me, even though it didn't show up on its own. Mine says it … [Read the rest]
Evidence-Based Doomsday Prepping and Personal Finance
I dug into the longread Doomsday prepping for less crazy folk today. The title pretty much says it all - I prefer to call it "evidence-based doomsday prepping". Effective preparedness can be simple, but it has to be rooted in an honest and … [Read the rest]
High-Yield Crypto Accounts: 6% Interest in Bitcoin or 9% Interest on Stablecoin
This WSJ article is the first mainstream financial article that I've seen discuss the high interest rates paid on Bitcoin and stablecoin (cryptocurrency backed by a "stable" asset like the US dollar). I am (again) not a cryptocurrency expert, but … [Read the rest]
The Most Popular Ages When People Actually Claim Social Security
Although I'm still decades away from Social Security, I see a constant stream of articles about the "best" time to start taking benefits. Often, you are told to delay claiming until age 70, as you will receive a more valuable, inflation-adjusted, … [Read the rest]
Four Pillars of Retirement: Money, Purpose, People, and Health
While it is understandable that most talk about "retirement planning" concerns money, a truly successful retirement requires more than that. Coincidentally, the same week I was pondering the Components of Happiness, I also stumbled upon a 6-year … [Read the rest]
TD Double Up Card: 2% Cash Back on All Purchases (TD Bank Deposit Account Required)
The TD Double Up card is a new cashback rewards credit card from TD Bank which earns up to 2% flat cash back on all eligible purchases without worrying about the merchant or category. 1% cash back on purchases + 1% cash back when you redeem … [Read the rest]