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Month: January 2018

What’s your life savings rate?

What’s your life savings rate?

Pinterest Facebook Twitter Google+ RedditWe talk about savings rates all the time because they’re a good measure of how long it will take to get to retirement. But no one ever really talks about the percentage of hours you spend each week doing productive things, growing your productivity, or the time you spend recharging. Ie, your “savings rate” in terms of time. After all, we’re all striving to “buy” time, right? It’s why we’re all trying to reach retirement and…

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The Perfect Snowboarding Storm: Beginner + European + Snow guns + Toboggan = Hypothermia

The Perfect Snowboarding Storm: Beginner + European + Snow guns + Toboggan = Hypothermia

Pinterest Facebook Twitter Google+ RedditThis post chronicles my experience with snowboarding, and what happens when you have experts and beginners on the same trip when trying to master winter sports. Nothing good happens and sometimes the perfect storm ensues. First Time on a Snowy Mountain Harry, Fred, and I drive to a mountain after they convince me I should learn some winter sports. Harry skies double black diamonds and Fred skis normal black diamonds. I have never skied or snowboarded…

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3 decades later and the Nikkei has not recovered — Will the SP500 do the same?

3 decades later and the Nikkei has not recovered — Will the SP500 do the same?

Pinterest Facebook Twitter Google+ RedditEvery time someone (myself included) says that the SP500 will probably average 8-9% because it’s been dong so historically, I cringe slightly. Sure, I believe it too, but that little voice in the back of my head says, “Olivia, what about the Nikkei?”. Please note that the below article is purely my opinion and by no means fact. I am not a financial advisor and I don’t know what will happen to the market. I could…

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Travel Hacking Japan 1: Tokyo

Travel Hacking Japan 1: Tokyo

Pinterest Facebook Twitter Google+ Reddit Part 1 | Part 2 | Part 3 | Part 4 | Part 5 Back in 2017, I headed back to Japan for a vacation! While I had been there a couple of times, mostly in Tokyo and Disneyland, I hadn’t really gone to other cities and experienced the culture as much. Now, before we get to all the cool pictures and descriptions, I’d like to say we booked our tickets for $11.20 for two…

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Hedging Your FI Equities Portfolio

Hedging Your FI Equities Portfolio

Pinterest Facebook Twitter Google+ RedditThe biggest risk of your portfolio not lasting your retirement timeline is if the stock market plunges within the 8 years that you retire, which is better known as sequence of returns risk. This is because historically, when a recession or depression happens, it means a huge market dip that doesn’t rebound fully for a few years. So, for anyone who has worked in finance, the first solution you think of is pretty simple. Why not…

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Author: Olivia

Olivia worked in finance and wants you to learn the secrets of financial independence. She believes there are so many ways to monetize your life and make money doing the things you're already doing because so many companies offer free money.

The average savings account rate is 0.1%. The big banks have incredibly low savings accounts rates. CIT Bank offers a 1.75% savings account. You can open an account with just $100 and no monthly fees or charge . Tired of being charged fees and getting peanuts in interest at your current bank? Open a CIT Bank savings account in less than 15 minutes online.

If you have a car, Rideshare apps allow you to pick a direction you want to go twice a day, so you can get extra money going somewhere you were driving to anyway at least twice a day. Get a $300 sign-up bonus with Lyft.

One of my favorite ways ways of monetizing my life is via credit card bonuses with cards that give you cashback or rewards. Check out our review of the Chase Sapphire cards, which give you at least $500 in cash or $625 in travel credit.