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Household Equity Ownership Percentage vs. Future Stock Market Returns

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

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]

Amazon Audible: Free 3-Month Trial w/ 3 Free AudioBooks (New Prime Members)

Amazon Audible has new promotion of a free 3-month trial including 3 audiobook credits. This offer is only available to Prime members who are "new" Audible customers (not an existing subscribers or have utilized a free trial in the last 12 months). … [Read the rest]

qara.info Portfolio Income – October 2018

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)

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]

qara.info Portfolio Asset Allocation, October 2018

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?

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]

Starbucks Masterpass Promo: Buy $10, Get Free $5 Gift Card

Here's another Starbucks promotion that can land you a free caffeine boost. Buy a $10+ Starbucks eGift Card with Masterpass, get a free $5 Starbuck eGift card. Masterpass is the online checkout system for Mastercard (like Visa and Visa Checkout). … [Read the rest]

Ally Bank Payback Time Promotion: 1% Additional Cash Bonus (~6% APY 3-month CD)

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% for 21 Months (1.75 Years), No Late Fees, No Penalty Rates

Interest rates are rising, and that applies to credit cards as well. Our partner Citi has updated the Citi Simplicity® Card with an extended 0% intro period for balance transfers while also offering some "accident forgiveness insurance". Do you … [Read the rest]

EBSB Direct High Yield Savings Account 2.50% APY ($5,000 minimum)

Update: Looks like this one got pulled early as well. As of 11/4/18, I only see the Money Market 3 at 1.80% APY. EBSB Direct has a new High Yield Statement Savings Account that pays 2.50% APY on balances between $5,000 and $1 million. No … [Read the rest]

Total Bond ETF Review: iShares Aggregate Bond ETF (AGG) or Vanguard Total Bond ETF (BND)

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]

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