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Connexus Credit Union 5-Year CD at 3.00% APY: Early Withdrawal Penalty Comparison

Connexus Credit Union has raised the rates on their 5-year Share Certificate to 3.00% APY with a 365-day early withdrawal penalty. They also have 1-year Share Certificate at 2.01% APY (90-day early withdrawal penalty). Both have a $5,000 minimum … [Read the rest]

The Fall of Landlines and Rise of Cell Phone-Only Households

Here's an interesting chart from Statista showing how landline telephones are slowly dying away and being replaced by cell phones only. In 2004, more than 90 percent of households in the U.S. had an operational landline phone - now it’s … [Read the rest]

Berkshire Hathaway vs. S&P 500: Shrinking Edge?

It is well-known that the CEO of Berkshire Hathaway (BRK) is Warren Buffett, and that its long-term performance has crushed the S&P 500. This is usually illustrated with an impressive chart like this one from Business Insider: I'm currently … [Read the rest]

Sam’s Club: Free 3-Month Membership Extension (or Full Refund Upon Cancellation)

(Update: Sam's Club has added that language that this offer is limited to "members in closing clubs". I'm not sure if that includes if you live in the same area as a closing club.) Sam's Club is offering all of their members a free 3-month … [Read the rest]

50% of American Households Don’t Own Any Stocks At All

Here's another stat to add to your knowledge. For roughly half of Americans, the stock market’s record highs don’t help at all, according to a recent Washington Post article. This chart shows that half of US household have no exposure to stocks, … [Read the rest]

Markets Rise and Fall: Is Your Portfolio Ready For Both?

It would be great if you could invest in things with high and reliable returns, going up and up consistently like clockwork and without worry. Unfortunately, that's usually the sign of a Ponzi scheme. The chart above illustrates what you have to … [Read the rest]

What If You Invested $10,000 Every Year For the Last 10 Years? 2008-2017 Edition

Instead of just looking at one year of returns, here's an annual exercise that helps you look at the bigger picture. You may know the 10-year historical return of the S&P 500, but most of us didn't just invest a big lump sum of money a decade ago, … [Read the rest]

Best Interest Rates on Cash – January 2018

Short-term interest rates are rising. Megabanks make billions by pay you nothing for your idle cash. Here is my monthly roundup of the best safe rates available, roughly sorted from shortest to longest maturities. Check out my Ultimate … [Read the rest]

S&P 500 Monthly Total Returns 1990-2017: First 14-Month Win Streak

I mentioned in my 2017 asset class roundup that the S&P 500 went up every single month in 2017 and how that was the first time that had ever happened. According to the WSJ Daily Shot, the S&P 500 is actually on a 14-month positive streak. Here's a … [Read the rest]

Discounted Apple iPhone $29 Battery Replacement: Available Now

In case you missed it, Apple disclosed that their operating system slows down the phone in some cases if the battery gets too old. As part of their official explanation and apology, Apple has reduced the price of a OEM battery replacement to $29, … [Read the rest]

DietBet Review: Using Money To Motivate You To Lose Weight

It's that time of year, and since I eventually lost 50 pounds with the help of this and other weight-loss betting sites (and have kept it off since), and I wanted to share my experiences including both positive and negative aspects. DietBet.com … [Read the rest]

Investment Returns By Asset Class, 2017 Year-End Review

Happy New Year! As the markets have closed for the last time in 2017, it's time for a year-end review. While I do rebalance my portfolio quarterly, I only dig into performance numbers once a year. That's a big change from a decade ago, when I … [Read the rest]

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