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Early Retirement Portfolio Asset Allocation, 2017 First Quarter Update

Here is an update on my investment portfolio holdings after the first quarter 2017. This includes tax-deferred accounts like 401ks, IRAs, and taxable brokerage holdings, but excludes things like our primary home, cash reserves, and a few other side … [Read the rest]

Simple Portfolio Rebalancing Spreadsheet Template (Google Drive)

Updated. Automated portfolio management services like Wealthfront and Betterment will help you manage a diversified portfolio of low-cost index funds for a fee. While I understand their appeal for those that wish to outsource that task, I choose … [Read the rest]

Savings I Bonds May 2017 Update: 1.96% Inflation Rate

Savings I Bonds are a low-risk investment backed by the US Treasury that pay out a variable interest rate linked to inflation. You could own them as a replacement for cash reserves (they are liquid after 12 months) or bonds in your portfolio. New … [Read the rest]

Amazon Coupons: $10 off $50 Warehouse, $15 off $40 for Amazon Student

Here are a couple of quick Amazon promotions before I sign off for the weekend: Amazon Warehouse Deals $10 off $50. Get $10 off a $50+ purchase at Amazon Warehouse with coupon code EARTH10. This is where Amazon sells their open-box and pre-owned … [Read the rest]

Trim Savings: Connect Your Visa Card For $40 Cashback Towards Everyday Purchases

Financial chatbot Trim has a new feature called Trim Savings. (Here's a previous review of Trim's subscription cancellation service.) You link your existing Visa card and they will come up with cashback coupons. The offers are linked to your … [Read the rest]

Digit Review: “You Won’t Even Notice” Automated Savings Account

Update April 2017. Digit is now a paid service. After a 100-day free trial, Digit will charge a $2.99 monthly subscription. If you are a current user, you also get another 100 days free but after that they will start taking $2.99 out of your … [Read the rest]

Barclaycard CashForward World MasterCard Review: 1.5% Cash Back + $200 Bonus

Update - This offer is now EXPIRED. Barclaycard has improved this offer by increasing the sign-up bonus to $200 after you spend $1,000 in purchases in the first 90 days. The $200 flat bonus makes this card work out better for those folks that … [Read the rest]

How is Lemonade Different Than Mutual Insurance?

After my initial post about Lemonade insurance, there was a discussion in the comments about how Lemonade's business model compares with existing mutual insurance companies. Lemonade reached out to me and wanted to clarify some things, and I … [Read the rest]

Alliant Credit Union Visa Signature Card Review: 2.5% Cash Back + 1st Year Promo

Alliant Credit Union, the 5th largest US credit union by assets, has launched their new Alliant Visa Signature Credit Card. This cash back rewards card is targeted towards high spenders, with a headline feature of 2.5% cash back with a $59 annual … [Read the rest]

Don’t Trust Your Student Loan Servicer, Especially Navient

If you don't understand why having a fiduciary requirement matters in terms of financial advice, read this Bloomberg article about student-loan servicer Navient. Learn about the sad behavior of a company that services the student loans of over 12 … [Read the rest]

H&R Block Desktop Tax Software Discounts: Free $20 Nike Gift Card

Updated with new deal. If you are still looking for downloadable desktop tax software that doesn't require your Social Security Number and financial details to be stored in the cloud, here's a limited-time deal on H&R Block Tax Software 2016. … [Read the rest]

Best Interest Rates on Cash Savings – April 2017

Our family keeps a year's worth of expenses (not income) put aside in cash reserves. Even if you think that's too much, you still need something. There are many ways that the ROI on emergency funds can be higher than simply the interest rate on your … [Read the rest]

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