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Jonathan Ping

More Experience = Less Complexity?

When we had our first child, it seems like we were prepared for the apocalypse whenever we stepped out the door. Below is a visualization taken from Pinterest, while we actually had this $60 SkipHop diaper bag filled to the brim. Compare that with what I grabbed as my “diaper bag” for our youngest baby […]

Groupon Deal: Sam’s Club Membership + $10 Gift Card for $30

Groupon has a Sam’s Club Plus membership deal where for $30 you get the following: One-year Sam’s Club Savings membership ($45 value) Complimentary membership card for a spouse or other household member $10 e-gift card valid online or in-club. Allow 5-7 days for delivery of e-gift card. If you subtract the $10 gift card value, […]

USAA Limitless Cashback Rewards Visa Signature Card Review: 2.5% Cash Back

USAA, which serves members of the U.S. military and their immediate families, has a new cash back rewards card called the USAA Limitless™ Cashback Rewards Visa Signature® Card. This card is currently in an online pilot program and is only available for residents in (a growing number of) eligible states. To check your eligibility, visit […]

Barclaycard CashForward™ World MasterCard Review: 1.5% Cash Back + $100 Bonus

Barclaycard has a new cash back rewards card called the Barclaycard CashForward™ World MasterCard® which earns a flat 1.5% cash back on all purchases with no earnings cap. There is also no annual fee and an upfront sign-up bonus. Here are the highlights: Earn unlimited 1.5% cash rewards on every purchase. Get a $100 cash […]

2017 IRS Federal Income Tax Brackets Breakdown Example (Married w/ 1 Child)

In a continued attempt to better explain the 2017 federal income tax brackets, here is a graphical breakdown of a simple scenario for a married filing joint couple with 1 dependent. See also my previous examples for a single filer with no dependents and married filing joint with no dependents. I will try to explain […]

Vanguard ETF vs. Mutual Fund Admiral Shares

Allan Roth has a new ETF.com article called Why ETFs Won’t Replace Mutual Funds. Inside, he offers the following reasons why if you are buying Vanguard funds, he typically recommends the Admiral Shares mutual fund over the ETF. Vanguard Mutual fund advantages Can buy fractional shares No premium or discount—all transactions are at net asset […]

How to Buy or Sell an ETF: Real-World Best Practices

In this ETFdb interview with Rich Powers, Head of ETF Product Management at Vanguard, there was a useful bit about the practical mechanics of buying an ETF in your brokerage account. Found via Abnormal Returns. ETFdb: What would you say are three best practices that investors should keep in mind? R.P.: The first is to […]

2017 IRS Federal Income Tax Brackets Breakdown Example (Married No Kids)

In a continued attempt to better explain the 2017 federal income tax brackets, here is a graphical breakdown of a simple scenario for a married filing joint couple with no dependents. See also my previous example for single filers with no dependents. I will try to explain the differences in terms such as gross income, […]

LivingSocial: BJ’s Wholesale Club Membership Discount

LivingSocial has a new deal: $50 for a 1-Year BJ’s Membership + $20 BJ’s Gift Card & $55 in Coupon Savings. Offer expires on 3/10 11:59pm ET. New members only (you could get your spouse or partner to sign-up). Valid at all BJ’s Wholesale Club locations (East coast mostly). The $55 in coupon savings includes: […]

2017 IRS Federal Income Tax Brackets Breakdown Example (Single)

I was looking up the 2017 federal income tax brackets and pulled up the commonly-used chart below. This tax table has many applications in personal finance, but it can be hard to understand. What is the difference between gross income, taxable income, marginal tax rate, and effective tax rate? Sometimes I like to run through […]