Archives for October 27, 2014

AirBNB Promotion Codes: $40 in Free Travel Credit

“qara.info has partnered with CardRatings for our coverage of selected credit card products. qara.info and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

airbnblogoUpdated. Airbnb rents out everything from private rooms to entire houses to ancient castles. We stayed at Airbnb’s in Europe and it was great for a family with little kids. We could cook simple meals in the kitchen and eat around a real dining table. You felt more like a local family.

$40 in free Airbnb credit for new users. If you’ve never stayed at an Airbnb, you can get $40 in travel credit towards your first rental with my referral link. I believe I will get $20 of credit after your first booking. Thanks if you use it.

Before booking, I would definitely read review and look for a “Superhost” if possible. Here is a NY Times article with Airbnb tips from a former Superhost.

Have an extra room or taking a long vacation? Airbnb can estimate your income as a host if renting out a private room, in-law unit, or entire house. You can share a spare room in your apartment or do a pseudo-“home swap” by renting out your whole home the next time you’re out of town. You can open your space for one day or all year.

Looking to help others? Airbnb helps connect people displaced by natural disaster and those with open rooms. Right now, they are helping to shelter people affected by the volcanic eruptions in Hawaii.

Share you own Airbnb experiences in the comments.

“qara.info has partnered with CardRatings for our coverage of selected credit card products. qara.info and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Amazon Fire Streaming Stick 50% Off with Prime

“qara.info has partnered with CardRatings for our coverage of selected credit card products. qara.info and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

fire_stickOffer expired, now $39. Many cable TV “cord-cutters” get their TV fix using an HDTV over-the-air antenna and/or a streaming video device like the Roku, Google Chromecast, or Apple TV. Amazon has just announced their new Amazon Fire TV Stick. The regular price is $39, but if you have Amazon Prime and order it by 10/29/14 at 6am Pacific, you can get it for just $19. Here’s a comparison chart against similar competitors provided by Amazon (click to enlarge):

fire_compare2

Notably, Google Chromecast does not support Amazon Prime Instant Video and does not include a physical remote. Fire does not support HBO Go.

Not a Prime member? Join as Amazon Mom for a free 1-month Prime trial and get 50% off diapers. Join as Amazon Student with a .edu email address and get a free 6-month Prime trial.

I have an older Roku box that I’ve been using on and off for the last couple of years – it is useful for Plex which streams my own media from my hard drive to my TV and also for various kids shows on-demand from Amazon Prime Instant Video. (I cancelled my Netflix subscription after having kids since I don’t have time to binge-watch TV anymore.) So why am I going to buy this? Because my 2-year-old lost/hid/ingested the remote, and this new gadget is cheaper than buying a replacement Roku remote!

“qara.info has partnered with CardRatings for our coverage of selected credit card products. qara.info and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Sequence of Returns Risk During Retirement Illustration

“qara.info has partnered with CardRatings for our coverage of selected credit card products. qara.info and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Businessweek has an article discussing the difficulties when trying to make a retirement nest egg last for the rest of your life. Most people just worry about the average returns of their investments. But another important concern during the withdrawal phase is sequence of returns risk.

Two retirees can start with the same initial portfolio balance and experience the same average return, but if one experiences highly negative returns in the first few years of withdrawals they can end up with very different outcomes. Instead of explaining this concept with a list of numbers, here is a graphical version from the BW article. Both Jane and John start with $1 million, experience 7% average returns, and take out $50,000 a year with a 3% increase each year for inflation.

sor_risk

Jane ends up 20 years later with $700,00 more than she started, and John is flat broke. Although the sequence of returns shown is a bit extreme, they are simply mirrored and it is still entirely possible.

Some people take this to mean that you shouldn’t retire when the market has been on a good bull run, but I think the point is that you simply don’t know what order your future returns will be. The bull run could keep on going and create a bubble, and then pop many years later. Or something like a declaration of war could crush the market even further even if things have already been bad for a while.

Briefly, a couple of options that can help alleviate this sequence of returns risk are a dynamic withdrawal strategy that continually adjusts to actual returns (no set number every year), and also annuitizing part of your portfolio using a single-premium immediate annuity. Finally, don’t forget the traditional advice of holding a sizable chunk of quality bonds in your portfolio.

“qara.info has partnered with CardRatings for our coverage of selected credit card products. qara.info and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

www.alfaakb.com/category/avto-akkumulyatory-varta/

посмотреть

смартфон Zopo