Benefits For Large Accounts At Vanguard And Fidelity

Airlines and hotels assign elite status to their customers based on how much business the customers do with them. They give you Platinum, Gold, Diamond, Executive, and other nice sounding names. You get small incentives to make you feel special, such as priority boarding, late checkout, two bottles of water, and sometimes free upgrades. Vanguard and Fidelity do the same. What difference do these service tiers really make? Vanguard - Voyager $50,000 invested in Vanguard funds and ETFs at [...]

Card-Linked Offers: AmEx Offers and BankAmeriDeals

Some credit cards offer limited-time special deals to their cardholders. "If you purchase $X from this place before this date, you will get a $Y credit on your statement." These are called card-linked offers. They are different than store-wide [...]

2016 401k 403b IRA Contribution Limits

The IRS will release the official numbers in October but due to rounding rules I can safely project what the 2016 contributions limits for various retirement plans and IRAs. Inflation is very low this year. For the most part, the limits in 2016 will [...]

Staying In Your Job After Financial Independence

The age of early retirement is coming down rapidly. There are several blogs about retiring at 40. Mr. Money Mustache famously retired at 30. Lately at least two bloggers beat MMM and retired at 25. Do I hear 20? How about 15? Last month I went to [...]

The Millionaire Next Door Misinterpreted

I read sad news a few months ago the co-author of The Millionaire Next Door book Thomas Stanley was killed by a drunk driver in a car accident. I checked out the book from the library for a refresher. After I read it this time, I see the book is [...]

The Largest 529 Plan And The Power Of Distribution

While looking at 529 plan information, I came across an interesting tidbit. It also tells us something about investing in general. Every state has a 529 plan. Some states have more than one plan. Which state has the largest 529 plans in terms of [...]

What Does Vanguard Mean By "Employee Conversion"?

When I was getting my records organized, I saw this on the Vanguard trade confirmation for converting from my traditional IRA to my Roth IRA. I am an employee somewhere, but my employer doesn't have its plan at Vanguard. Regardless, what [...]

Mint Interview: My Not-So-Secret Secret

I did an interview with personal finance site mint.com last December about investing: Expert Interview with Harry Sit on Investing for Mint. They told me it had the highest pageviews among all interviews in that round. Thank you for that. They [...]