Chase Bank has updated banking promotions for new customers without a Chase Bank account (closed more than 90 days ago and haven't gotten a bonus in the last 2 years). The first bonus is for their Total Checking and Savings accounts, and if you … [Read the rest]
Chase Bank Bonus: $600 Total Checking + Savings, 60,000 Point Upgrade to Sapphire Banking
Posted on October 25, 2018 // 6 Comments
Household Equity Ownership Percentage vs. Future Stock Market Returns
Posted on October 23, 2018 // 5 Comments
Below is a chart that tracks two simple numbers over the years, each with their own vertical scale (click to enlarge): The average household's equity ownership share, as a percentage of total equity and credit (bond) assets. (Left-axis) The … [Read the rest]
Bond Market Risks: Keeping It Short, Simple, and Safe
Posted on October 23, 2018 // 1 Comment
A recurring theme in my asset allocation philosophy is to stick with simple and safe bonds in your portfolio. The problem is, there will be other bonds that outperform safe, shorter-term US Treasury bonds and you might start to question your … [Read the rest]
My Money Blog Portfolio Income – October 2018
Posted on October 21, 2018 // 1 Comment
For a young person making a plan to reach financial independence at a very early age (under 50), I think using a 3% withdrawal rate is a reasonable rule of thumb. For someone retiring at a more traditional age (closer to 65), I think 4% is a … [Read the rest]
TopCashBack Existing User Promo: Free Fall-Themed Dish Towel ($2.99 Value)
Posted on October 18, 2018 // Leave a Comment
If you shop at Target stores and are an existing TopCashBack portal member, grab a free $2.99 Thanksgiving Dish Towel at this link. Offer expires Sunday, October 21st at 11:59pm PST. Instructions: 1) Simply click the "Get Offer" button to go to … [Read the rest]
My Money Blog Portfolio Asset Allocation, October 2018
Posted on October 18, 2018 // 8 Comments
Here's my quarterly portfolio update for Q3 2018. These are my real-world holdings and includes 401k/403b/IRAs and taxable brokerage accounts but excludes our house, cash reserves, and a few side investments. The goal of this portfolio is to … [Read the rest]
Infographic: Where Did Housing Prices Crash the Most and the Least?
Posted on October 17, 2018 // Leave a Comment
The Washington Post had an article looking back 10 years later: How the housing market has changed since the crash. Inside was an interesting map of where the home prices crashed the most and the least (click to enlarge): I wish they had a … [Read the rest]
Ally Bank Payback Time Promotion: 1% Additional Cash Bonus (~6% APY 3-month CD)
Posted on October 15, 2018 // 19 Comments
Ally Bank has a new promotion called Ally Payback Time that is offering a 1% cash bonus (up to $1,000) on new deposits on top of their existing interest rates. Valid for both new and existing customers. Given the holding period, this roughly … [Read the rest]
Citi Simplicity® Card Review: 0% Intro APR for 21 months on Balance Transfers, No Late Fees, No Penalty Rates
Posted on October 11, 2018 // 1 Comment
Interest rates are rising, and that applies to credit cards as well. The Citi Simplicity® Card comes with an extended 0% intro period for balance transfers while also offering some "accident forgiveness insurance". Do you have a balance that you … [Read the rest]
Total Bond ETF Review: iShares Aggregate Bond ETF (AGG) or Vanguard Total Bond ETF (BND)
Posted on October 10, 2018 // 3 Comments
One of the major building blocks of your portfolio is probably a bond mutual fund or ETF. The most popular bond benchmark is the Bloomberg Barclays Aggregate Bond Index (AGG), which basically tracks all U.S. taxable investment-grade bonds. … [Read the rest]
Citibank $500 Checking Account Bonus 2018
Posted on October 3, 2018 // 15 Comments
Citibank has $500 bonus offer when you open a new eligible Citi checking account 10/1/18 through 12/31/18 and complete qualifying activities. This offer is restricted to those who have not had a Citibank checking account within the last 180 … [Read the rest]
Owning Businesses Around the World: Global Market Cap Breakdown 1990-2018
Posted on October 3, 2018 // 2 Comments
When you're deciding where to invest your money, a good starting point is to consider every single business that you can invest in around the world. I still find it amazing that with a few clicks, you can own a share of Alibaba in China, Nestle … [Read the rest]
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