In these next few posts, I will cover cash back strategies I have used to save thousands of dollars over the years. Discover I applied for my first Discover It card long ago. For years, it was the only cash back card I used until I “discovered” the cash back strategies I will share with … Read more Cash Back Strategies – Discover
Most people can earn hundreds if not thousands of extra dollars per year with an improved credit card strategy. If you have the discipline to live within your means and pay off your credit card bills every month, I can show you how to earn a terrific yield on everyday expenses that crushes any CD … Read more A Penny Saved
My friend Frugal Professor asked me about the tax consequences of my portfolio choices. So let’s discuss those in the context of a standard Vanguard portfolio of VTI, VEU and BND. Qualified Dividends VTI pays a dividend of approximately 1.8% per year. 94% of those dividends are qualified, meaning they count as investment income taxed … Read more The “Three Fund” Portfolio Part 5 – Tax Considerations
The final questions to answer in building an aggressive portfolio are: 1) how much to allocate to stocks vs. bonds, and 2) how to weight domestic stocks vs. international stocks. In other words, asset allocation. Domestic vs. Foreign Stocks I ran the domestic vs. international stock asset classes on PortfolioVisualizer’s optimization tool going back to … Read more The “Three Fund” Portfolio Part 4 – Asset Allocation
