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Free Return Shipping When Paying with PayPal (Activation Required)

If you shop online at websites like eBay, Walmart, and Home Depot where PayPal is an option for payment, consider that PayPal will reimburse your shipping costs if you buy using PayPal and end up having to make a return. You must first activate … [Read the rest]

Real-World Example of Why High-Cost Index Funds Are The Worst

Here's another reminder that in the world of investing, having low costs is more important than owning "passive" index funds. Why? The simplest argument is that index funds can have high expense ratios. Anyone can open an account at Vanguard, … [Read the rest]

Real-World Example of Sequence of Returns Risk

The standard investment advice is the older you get, the more bonds you should hold in your portfolio. There are various rules of thumb like "Age in Bonds" or "Age minus 20 in Bonds", and so on. On the other hand, stocks have higher historical … [Read the rest]

Shoe Dog by Nike Founder Phil Knight: A Great Audiobook

As a kid in the late 1980s, I admit that I yearned for a pair of Nike Air shoes. I'd doodle shoes with that AIR logo and visible air pocket. I still remember the day I finally got a pair. They were an ugly blue-suede color from the bottom of … [Read the rest]

Frugal Entrepreneur Earns $5,600 a Month Farming Other People’s Yards

https://www.youtube.com/watch?v=53ARF_Ku3GU Here's a cool story at the intersection of entrepreneurship, frugal living, and sustainable farming. Jim Kovaleski is a one-man farm, growing produce and selling it at local farmers markets, earning … [Read the rest]

Coffin Homes: Living in Tiny Spaces As a Last Resort

The Atlantic has a photojournalism article The 'Coffin Homes' of Hong Kong which startled me and challenged my idea of a "tiny" living spaces. The size reminded me of capsule hotels in Japan, except these are in much worse condition and are … [Read the rest]

Costco Membership Discount: $10/$20 Coupon Code

As of June 1, 2017, Costco will be increasing its Gold/Business annual membership fees to $60 (formerly $55) and Executive annual membership to $120 (formerly $110). Executive membership comes with a 2% cash rebate on purchases (now up to $1,000) … [Read the rest]

OhmConnect: Get Paid For Saving Energy One Hour Per Week

OhmConnect is a start-up that works with consumers and their local utilities to lower energy costs and save money together. Before reading any further, it appears that cash payments currently only work with customers of PG&E, SDG&E or Southern … [Read the rest]

Ally Bank vs. Goldman Sachs Bank CD Interest Rate Comparison

After last week's WSJ article about interest rates, I noticed that both Goldman Sachs Bank USA (GS Bank) and Ally Bank have both been hiking rates on their CDs. Competition is good and I like that they both still show the desire to stay at the top as … [Read the rest]

How Much Do Other Parents Help Pay For College Tuition?

As the school year ends, I am reminded that my children are another year closer to college. I still remember paying off my own $30,000 in student loan debt, and now I am worried about saving up for their tuition. While I still maintain that … [Read the rest]

Best Interest Rates on Cash Savings – May 2017

The WSJ article Bank of America Pays Peanuts for Deposits, but the Money Keeps Flowing In (paywall) outlines how BofA gets away with paying less interest on its deposits than nearly any other US bank (not that the other mega-banks are that much … [Read the rest]

Best Places to Find a Decent Used Car For Under $1,000

I suppose my pre-Uber generation might be the last one to equate having your own car with fun and freedom. In high school, I would comb through the "Under $2,000" section of the newspaper classified ads every day. How it looked didn't matter as … [Read the rest]

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