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Fidelity Commission-Free ETF List Review (Updated 2019)

ETFs are surpassing mutual funds as the standard building blocks of stock and bond portfolios. Therefore, I'm taking a closer look at the latest commission-free ETF lists from the major brokers. Unfortunately, the marketing often focuses on … [More]

The Most Common Sacrifices Investors Make to Reach Their Financial Goals

According to a Wells Fargo/Gallup survey of U.S. investors, 78% say they are at least fairly disciplined in reaching their financial goals. About 50% of investors say they will have to sacrifice a "fair amount" or "a lot" to reach their financial … [More]

10-Year vs. 3-Month Yield Inversions and Recessions: It’s Time Make a Plan

Last Friday, the yield on the 10-year US Treasury note was a tiny bit less than that of the 3-month US Treasury bill. This is known as a yield inversion, and depending on which article you read, this specific type of yield inversion (10-year minus … [More]

Vanguard ETFs Now Permanently Cheaper Than Admiral Shares?

After posting about Vanguard's most recent expense ratio drops on selected ETFs, I had skipped over the part that said this:: The growing size and scale of our funds have helped fuel operational efficiencies that lower our costs to serve clients, … [More]

My Money Blog Portfolio Income and Withdrawal Rate – March 2019 (Q1)

One of the biggest problems in retirement planning is turning a pile of money into a reliable stream of income. I have read hundreds of articles about this topic, and I have not yet found a perfect solution to this problem. Everything has pros … [More]

Chase Sapphire Preferred Card Improved Bonus: 60,000 Points = $750 In Travel, 2X Points on Travel and Dining

Update with improved 60k offer. The Chase Sapphire Preferred Card is a premium travel rewards credit card, now with an improved offer that is the best publicly-available bonus in years. The card earns points that can be redeemed for cash, travel … [More]

TD Ameritrade Commission-Free ETF List + Up to $2,500 Account Transfer Bonuses

Updated 2019 with new transfer bonus links. TD Ameritrade has made several changes to their commission-free ETF trading program over the years. I am not an active trader, so that is the focus of this post. Most recently, they made an important … [More]

Hawaiian Airlines World Elite MasterCard Review – Up to 75,000 Bonus Miles

The Hawaiian Airlines World Elite MasterCard is the official co-branded card with perks like Hawaiian miles for purchases, a free checked bag, and companion ticket discounts. Sometimes it has the Bank of Hawaii logo on it, but in all cases it is … [More]

My Money Blog Portfolio Asset Allocation and Performance, March 2019 (Q1)

Here's my quarterly portfolio update for Q1 2019. Most of my dividends arrive on a quarterly basis, and this helps me decided where to reinvest them. These are my real-world holdings, including 401k/403b/IRAs and taxable brokerage accounts but … [More]

Sprint Free Year of Unlimited Data Promo Expired: Now $25/Month Kickstart With No Expiration

Update: This offer has expired as of 4/4/19. Instead, they have replaced this offer with a $25/month Kickstart with Unlimited Data offer that doesn't expire after the first year. This original post is now not applicable unless you have already … [More]

Domino’s App: 10 Points Free Per Week = Eventual Free Pizza

I find it interesting how Domino's Pizza rescued themselves from oblivion by (1) improving the taste of their pizzas so they don't remind you of cardboard and (2) fully embracing mobile (lazy) ordering. Their smartphone app lets you apply coupons … [More]

Amazon Prime Reading: Free $3 Amazon Credit w/ First Book

Amazon Prime reading has been around since 2016, offering "unlimited reading" from a rotating selection of books, magazines, and comics - all free for Amazon Prime subscribers. Right now Amazon is offering a free $3 Amazon credit when you borrow … [More]

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