For the first time in forever, I have frozen all of my credit reports at the three major credit bureaus (Equifax Freeze, Experian Freeze, TransUnion Freeze). The balance between the guaranteed hassle of maintaining a credit freeze and the potential … [Read the rest]
After dealing with the estate of a family member, I saw firsthand the benefits of simplifying my financial situation. (They need a better term than "death cleaning".) If not for me as I get older, definitely for my wife and/or kids in the future. … [Read the rest]
Could this be the biggest data breach ever? National Public Data (NPD), a background check company, was hacked in December 2023 and they finally admitted to have exposed the full Social Security Numbers from nearly everyone in the United States … [Read the rest]
Fidelity just added the ability to use any Authenticator app with standard TOTP multi-factor support. TOTP stands for Time-based One-Time Password. This includes Google Authenticator, Microsoft Authenticator, Duo, and 1Password. Previously, you … [Read the rest]
Updated with new big bonus for big spenders. The card_name is a rewards business charge card offering a big early spend bonus offer in addition to ongoing unlimited 2% cash back on all purchases (or better). Instead of a standard credit card where … [Read the rest]
Vanguard recently released the 2024 edition of their annual How America Saves report, a detailed, 113-page report targeted at industry professionals which looks across millions of their 401k, 403b, and similar defined-contribution retirement plans. … [Read the rest]
Professor Edward McQuarrie has recently published the final part in his 3-part series about long-term stock returns at the CFA Institute: Don’t Bank on the Equity Risk Premium What Price Risk? Unpacking the Equity Risk Premium (Part … [Read the rest]
If you'd like a little bit of comfort as a long-term owner of stocks, check out this chart from Ben Carlson at A Wealth of Common Sense. He looks at every rolling 22-year period (based on a reader request) between 1926 to 2023, and finds that the … [Read the rest]
While it was welcome news that Fidelity now allows the Fidelity Government Money Market Fund (SPAXX) as a core position for their Cash Management Account as of June 2024, for many of us that reside in states with high state income tax rates, our net … [Read the rest]
Update: Existing Discover cardholders should note that right now you can get 5% to 20% of extra value to gift card redemptions at various retailers. Apple is at a 15% bonus, so $85 in cash back = $100 in Apple gift cards. Smaller increments are … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of August 2024, roughly sorted from shortest to longest maturities. There are lesser-known opportunities available to individual investors, often earning more money while keeping the … [Read the rest]
Update: This offer is expired. The last day to activate this benefit was July 31st, 2024. You can add multiple eligible Chase Sapphire/Slate/Freedom flavors and they will stack to extend your free membership further and further. Just keep going … [Read the rest]
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