If you have any American Express credit cards, check your "Amex Offers" in either your online account or smartphone app. Most people are seeing the offer "Spend $10+, get $5 back, up to 10 times when you Shop Small by 9/20/20". Get a $5 … [Read the rest]
AmEx Shop Small Offer: $5 off $10+ At Small Businesses (Up to $50 Savings Total)
Economics of Shared Living: How Much Money Do You Save With Roommates?
For most households, the biggest expense is housing. A time-tested way to reduce your housing costs is to share a place with others, but usually we think of a bigger house as the result of a bigger nuclear family. However, even young professional … [Read the rest]
Amazon: $20 Promo Credit after $50+ Purchase Using American Express
Here is a new Amazon/AmEx promotion that promises "$20 off at Amazon after you make a single purchase of $50 or more using your American Express card". However, the promotion has a lot of fine print to note: You must purchase products "sold … [Read the rest]
Planned vs. Perceived Obsolescence
The Story of Stuff (embedded below) is a short animated film about the lifecycle of material goods. Even though it was released over 10 years ago, the overall message of anti-consumerism and sustainability still applies to our current world. … [Read the rest]
Bank of America Travel Rewards Credit Card Review: Up to 2.62% Back on Travel and Dining with Preferred Rewards
Update February 2021: The Bank of America Travel Rewards Credit Card has expanded the eligible categories of spending against which you can get their 1.5% to 2.62% back from only Travel purchases to include both Travel and Dining (including … [Read the rest]
Forrager Podcast: Start Your Own Home-Based Food Business
If you enjoy listening to podcasts about entrepreneurial stories on a smaller scale (i.e. not tech unicorns), I recommend the Forrager Podcast about cottage food businesses, where people sell food made in their home kitchens (as opposed to a … [Read the rest]
Father’s Day Advice from Jack Bogle
Art Carey of the Phildelphia Inquirer shares some great quotes from a past interview with the late Jack Bogle, in which Bogle shared the advice he would give his own son: Vanguard’s John Bogle gives tips for life on Father’s Day. The advice is … [Read the rest]
Sprint Unlimited Line On Us: Add Line For Free + T-Mobile Tuesdays
If you are a current Sprint customer, they are running a promotion called Unlimited Line on Us where you can add a extra line with no monthly charge, although you are still subject to the monthly taxes and fees (approximately $5 to $10 a month … [Read the rest]
Money in Excel: Automated Budgeting and Personal Finance Template (Free for Microsoft 365 Subscribers)
It's not the classic Microsoft Money application (which I'm still asked about periodically), but Microsoft 365 Personal or Family subscribers can now download "Money in Excel" (free) which promises to help you manage your personal finances using … [Read the rest]
Hertz Used Rental Cars: Good or Bad Idea? Big List of Pros and Cons
In better times, Hertz took out a big loan and put up their vast inventory of cars as collateral. COVID-19 caused the lender to worry about getting their money back, so they called in the loan. Hertz doesn't exactly have much cashflow right now, … [Read the rest]
In Defense of Working One More Year (OMY)
In early retirement discussion forums, you'll often see the term OMY, which refers to people who have reached their calculated retirement savings target, but decide to keep working "One More Year". Sometimes that one more year becomes two more … [Read the rest]
Don’t Expect Too Much From Exotic Asset Classes
If you like having a complicated portfolio and owning exotic asset classes for diversification, you might want to prepare yourself before reading Skating Where the Puck Was: The Correlation Game in a Flat World by William Bernstein. Most of the … [Read the rest]