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The Incredible Shrinking Cell Phone Bill

If you wanted to shave $1,000 a year off your housing expenses, you'd have to move or at least refinance a mortgage. That takes a pile of paperwork and lots of time. Meanwhile, with a few clicks on a website and a SIM swap, many people on a major … [Read the rest]

Chart: Amazon Prime vs. Cable TV Subscribers

If you're wondering why Amazon is pushing Prime membership so hard, check out this chart from Recode: Within the next year or two, there will be more Amazon Prime members than cable TV subscribers. There is already roughly the same number of … [Read the rest]

Amazon $5 off $15+ of Print Books, 40% Future Credit on any Kindle Book Purchase

Amazon has a new promotional code PRIMEBOOKS17 that gets you $5 off any books purchase of $15 or more. Must be print books (can be multiple), shipped and sold by Amazon. Offer currently expires at 11:59 p.m. (PT) July 12, 2017, although it may be … [Read the rest]

Chase IHG Rewards Club Select Card Review: 80,000 + 5,000 Bonus Points Offer

The Chase IHG Rewards Club Select card has upped their public sign-up bonus to 80,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening. You can get an additional 5,000 bonus points when you add your first … [Read the rest]

Best HSA Plan Provider For Long-Term “Healthcare IRA” Investing – Morningstar

Nearly 30% of covered workers are now enrolled in a high-deductible health plan (HDHP). This means a lot more people are also eligible to contribute to a Health Savings Account (HSA). HSAs have the unique feature of triple-tax-free savings when … [Read the rest]

Portfolio Visualizer: Asset Allocation Backtesting and Monte Carlo Simulation Tool

Here's another neat (and free!) portfolio analysis tool - PortfolioVisualizer.com. You can upload a custom asset allocation and get all sorts of backtest data and Monte Carlo simulation results from it. If you register for an account, it will … [Read the rest]

Best Interest Rates on Cash Savings – July 2017

Interest rates are slowly waking up from their multi-year slumber, so I am paying a bit more attention to the various changes each month. Don't let a megabank pay you 0.01% APY or less for your idle cash. Here is my monthly roundup of the best … [Read the rest]

New vs. Used Car Total Cost of Ownership Calculations

A financial topic that nearly everyone has an opinion on is car ownership. Do you buy new and drive it into the ground? Do you buy slightly used after the early depreciation hit? Do you buy a cheaper 10-year-old car, drive it for a while, sell … [Read the rest]

Does Cash Make You Happier Than Income or Paying Down Debt?

The growing appreciation of behavioral psychology in investing is basically us admitting that we aren't perfectly rational. When you make people automatically opt-in to 401(k) plans and make their contributions increase automatically, they save … [Read the rest]

Extremes in Minimalism, Frugality, and Early Retirement

I enjoyed reading this NYT article When the Gospel of Minimalism Collides With Daily Life. The "Minimalist Mom" was profiled who vowed to not buy their kids anything for an entire year (2013). How does she live now? These days, she warned, … [Read the rest]

Jack Bogle Full Interviews with CNN and Business Insider

If you haven't gotten a dose of Jack Bogle wisdom recently, check out this full Business Insider interview transcript and this 16-minute CNN video interview. There is a lot of ground covered between them. Here are my selected notes: S&P 500 … [Read the rest]

Hyatt Credit Card – Two Free Nights Offer Changing to 40,000 Points on 6/29

The Hyatt Credit Card is changing their sign-up bonus on 6/29/17. For now, you can get two free night awards after spending $2,000 in the first 3 months from account opening. The free nights are valid for a standard room at any Hyatt hotel … [Read the rest]

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