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Puerto Rico Exposure in Vanguard Tax-Exempt Municipal Bond Funds

Speaking of holding municipal bonds, I've been catching up on the troubles in Detroit and Puerto Rico. Last month, there was a flurry of articles warning about mutual funds with high exposure to Puerto Rico bonds, as they were yielding over 9% and … [Read the rest]

Free 39-Week Subscription to Wall Street Journal

Same offer, but link works again. Here’s a free 39-week subscription to the Wall Street Journal. New subscribers only. Not a trial, no credit card required. Just fill out the first page, hit "Click Here", and that's it. Use a spam e-mail if you … [Read the rest]

Reasons to Buy Actively-Managed Mutual Funds

I would characterize my personal portfolio as 85% passive, 15% active, and 100% low-cost. Why is part of my portfolio managed by people trying to generate "alpha"? Aren't I supposed to say that index funds are always better? Author and money … [Read the rest]

Charts: Credit Card Debt and Household Debt Trends

Here is an interesting Quartz article by Matt Phillips outlining "the most important change in the US economy since the Great Recession that nobody is talking about". I don't know about that, I've seen a lot of these charts before. But many include … [Read the rest]

Shoprunner Membership with American Express

Update: American Express is now offering Shoprunner if you enroll at ShopRunner.com/AmericanExpress and agree to keep your AmEx card as the default payment method for their Express Checkout feature. You can still choose to use another credit card for … [Read the rest]

$30,000 Beat-the-Benchmark Experiment – One Year Update, Prosper and LendingClub

After posting Part 1 yesterday, here is Part 2 of my Beat-The-Market experiment one-year update. In order to test out P2P lending, I started with $10,000 split evenly between Prosper Lending and Lending Club, and went to work lending other people … [Read the rest]

$30,000 Beat-the-Benchmark Experiment – One Year Update, Part 1

It's finally been a full year since starting my Beat the Market Experiment, a series of three portfolios started on November 1st, 2012: $10,000 Passive Benchmark Portfolio that would serve as both a performance benchmark and an real-world, … [Read the rest]

SavedPlus Review: Automated Savings Linked to Spending

You've probably heard the adage "pay yourself first". Well, now there is a website that will help you essentially tax yourself first. Recently mentioned in Businessweek magazine, SavedPlus.com tracks your spending and automatically transfers a set … [Read the rest]

Healthcare Flexible Spending Accounts $500 Carryover

The U.S. Treasury recently announced that participants in Healthcare Flexible Spending Accounts would now be able to carry over $500 of unused funds into the next year, but only if your employer chooses to allow it. Employers can allow either a 2.5 … [Read the rest]

Google Hangouts iPhone App: Free Voice Calls and Google Voice Compatibility

Google announced a few days ago that third-party apps will no longer work with Google Voice as of May 15, 2014. I already updated my Obihai post, but this will also affect those people who make voice calls over data with GrooveIP or similar … [Read the rest]

Obihai + Google Voice = Free Home Phone Service Until End of 2013

(Update November 2013: Google announced a few days ago that third-party apps like Obihai and GrooveIP will no longer work with Google Voice as of May 15, 2014. Obihai confirmed this on their official blog, while stating that your box will still be … [Read the rest]

Pentagon Federal Offering 3-Year CDs at 2.02% APY

Pentagon Federal Credit Union is now offering 2.02% APY rate on it's 3, 4, 5, and 7-year CDs (they call it a Money Market Certificate). The minimum opening deposit is $1,000. Early withdrawal penalties are as follows: For terms from 6 months … [Read the rest]

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