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U.S. Bank Cash+ Plus Visa Signature Card Review – Choose Your 5% Cash Back Categories

There's a new entrant in the world of 5% cash back credit cards. The U.S. Bank Cash+ Visa Signature card actually lets you choose and change the categories in which you can earn 5% and 2% cash back. Here are the highlights: $150 New Cardmember … [Read the rest]

How to Pay Zero Income Taxes in Retirement With Mixed IRAs

How about another mental exercise on taxes? I usually enjoy Christine Benz's articles on Morningstar, and When Taxes Collide With Your Asset Allocation was no exception. She presents the following scenario: Let's say a 65-year-old woman is … [Read the rest]

Save More vs. Earn More: A Dollar Saved Is Two Dollars Earned

Earn more. Save more. Those are the two ways to get out of debt and build wealth. I'm a big proponent of doing both, but for many people it may be easier to cut back on some luxuries rather than land a higher-paying job, start a side business, … [Read the rest]

College Tuition Inflation: Net Out-of-Pocket vs. Published Sticker Prices

Now that I have a renewed interest in college costs (read: a kid), I'm paying more attention to the ongoing student loan debt discussion. One major talking point is the rising cost, but there seems to be a big difference between the published or … [Read the rest]

Free Business & Finance Audiobooks on

Here are some finance-related audiobooks from (owned by that are currently free with no trial required. Download them now, listen to them later. Via gymsock of SD. The 7 Habits of Highly Effective People: Powerful … [Read the rest]

Stop Delivery of Physical Phone Books –

Visit to stop the delivery of those huge phone books. The site is reasonably easy-to-use, although they ask for a phone number and I chose not to provide my real phone number to an industry based on unsolicited advertising. I … [Read the rest]

Loyal Financial Group – Possible Scam or Ponzi Scheme?

(Update: They are now blocking visits with my referral domain. You can view the site directly by typing in I received an e-mail today asking me to look into Loyal Financial Private Investments at and … [Read the rest] Savings Club Free 1-Year Membership is - surprise! - a site that offers digital and printable coupons online to many major brands. They also have a "Savings Club" where you pay $30 a year and get access to bigger coupons and a Coupon Finder tool. To celebrate their … [Read the rest]

Recent Investment Returns By Asset Class – August 2012

Now that our portfolio size has become more significant, I want to keep on top of things better while still avoiding most of the market noise. I took some ideas from how others share investment return data (see here and my 2011 year-end returns … [Read the rest]

Dividend Yield Definitions: SEC Yield vs. 12-Month or TTM Yield

When looking at the dividend payout of stocks and ETFs, there are actually a few different ways to measure dividend yield. In general, dividend yield is defined as: $latex \frac{\text{annual dividends per share}}{\text{share … [Read the rest]

Digital Postal Mail / Zumbox Review

Digital Post Mail, formerly just known as Zumbox, is a service that tries to turn all your physical mail into digital format. Hat tip to reader Christina. My first reaction was that it seems very similar to According to TechCrunch, … [Read the rest]

Free 2-Year Subscription to Kiplinger’s Personal Finance Magazine

Here's a link for a free 2-year subscription to Kiplinger's Personal Finance magazine from RewardsCountry. There is a short survey on the second page, mine was something about watches. There is no credit card required so they can't auto-renew … [Read the rest]