I'm still learning about immediate annuities as a potential future income stream, and came across this ImmediateAnnuities.com article about the relationship between immediate annuity payout rates and interest rates. (Note: I am not talking about … [Read the rest]
Navy Federal Credit Union is the nation's largest credit union and has recently surpassed $100 billion in assets as reported by DepositAccounts. I can understand their growth, as many of their financial products have very competitive rates, … [Read the rest]
The World of Hyatt credit card is a Hyatt consumer credit card issued by Chase that offers several perks for those that enjoy Hyatt hotels. There is a current sign-up bonus of up to 65,000 Hyatt points. Here are the highlights: 30,000 … [Read the rest]
One the big decisions in portfolio construction is how much to allocate between US stocks and non-US stocks. You won't find universal agreement on a correct answer, but this Morningstar article Investors Have Fewer Reasons Than Ever for Home Bias … [Read the rest]
One of the biggest problems in retirement planning is making sure a pile of money lasts through your retirement. I have read hundreds of articles about this topic, and still haven't a perfect solution to this problem. Most recently, I looked into … [Read the rest]
Updated 2019 with more websites. "People would care more about privacy if they knew how exposed they already are online," says Geoffrey A. Fowler in his WSJ article Your Data Is Way More Exposed Than You Realize. I hear this all the time: “I … [Read the rest]
Here's my portfolio update for the second quarter of 2019. Most of my dividends arrive on a quarterly basis, and this helps me determine where to reinvest them. These are my real-world holdings, including 401k/403b/IRAs, taxable brokerage … [Read the rest]
A mortgage broker once told me that he didn't care if rates were high or low. He just wanted them to change. As long as interest rates move enough in either direction, more mortgages will be created. He's probably getting a lot of calls right … [Read the rest]
At every annual shareholder meeting, Berkshire Hathaway publishes an official reading list and sells discounted copies through a local Omaha bookstore called The Bookworm. Both Warren Buffett and Charlie Munger have consistently attributed a … [Read the rest]
The most depressing thing I read today was Former Boeing Engineers Say Relentless Cost-Cutting Sacrificed Safety at Bloomberg Businessweek. If you want to know why I am not part of the "I love what I do and I'm going to plan to work forever" … [Read the rest]
Vanguard has a blog post about their Target Retirement 20XX funds (TDFs) with a few interesting stats (via Abnormal Returns): 97% of all Vanguard retirement plan participants had a target-date fund as an available investment option. 77% of … [Read the rest]
Here's my monthly roundup of the best interest rates on cash for June 2019, roughly sorted from shortest to longest maturities. Things are pretty dull this month – mostly small rate drops on CDs due to the inverted yield curve. Check out my … [Read the rest]
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