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Hacking money, travel and points with Chris Hutchins


I enjoyed a podcast on “Hacking money, travel and points” with Chris Hutchins, the founder of a personal finance app, and Kevin Rose (VC at True Ventures and founder of Digg). Every few months, I seek out a refresher on how to think about personal finance. My objective is rarely about learning something new as the principles rarely change. But, I’m beginning to appreciate the value of revisiting important topics to further help me synthesize. Nuggets / top reminders Retirement: Multiply what you will need per year after retirement x 25 – that’s the size of your retirement fund. Most folks don’t know what their retirement fund should be (I didn’t think about this previously as well). Learn to have conversations about your salary: After a certain point in your career, this ends up making a huge difference. House: If you’re ever considering buying a house, consider it carefully. It’ll likely be the largest purchase in your lifetime. Confirmation / Things I do (mostly) Credit Karma: Monitor your credit card status – important if you live in the US. Save. Spend on happiness versus things. Cook and eat healthy. Use low cost ETFs via vanguard. Consider a target date retirement fund. That does what robo advisors like Wealthfront do. Things I’m not sure I want to do Credit card points: Their conversation about credit cards was fascinating even if I know I’d never go down that path. The principle was sound though – get a credit card that rewards your biggest expenses. Decide how much you want to optimize. Chase (for those in the US) has great cards. Travel: If you travel a ton, optimize for points. Starwood points are the best points. PS: If you’re interested in learning more about the topic, here’s an old learnographic on personal finance. Share this: Facebook Twitter LinkedIn Like this: Like Loading... Related https://alearningaday.com/2017/12/07/hacking-money-travel-and-points-with-chris-hutchins/

Cyber Monday 201730


The Oatmeal Cyber Monday Sale Use discount code CYBER25 and get 25% off your entire order Exploding Kittens - Party Pack Edition A new expanded version that supports up to ten players. It also plays party music, in case that's your thing. This product is not available on Amazon! Normally $30.00 HOLIDAY PRICE: $22.50 View Party Pack Source: http://theoatmeal.com/blog/black_friday2017

I used to have a hard time thinking that babies were cute1


(function(d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_US/sdk.js#xfbml=1&version=v2.5&appId=122125307879498"; fjs.parentNode.insertBefore(js, fjs); }(document, 'script', 'facebook-jssdk')); The Oatmeal Share this   Latest Things Random Comics Browse more comics >> Home Comics Blog Quizzes About Contact All artwork and content on this site is Copyright © 2016 Matthew Inman. Please don't steal. var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E")); try { var pageTracker = _gat._getTracker("UA-9487849-1"); pageTracker._trackPageview(); } catch(err) {} Source: http://theoatmeal.com/comics/corgification

The Digital Advertising Duopoly1


This chart from eMarketer really brings it home. We have a digital advertising duopoly. The difference between second and third place is massive. I don’t want nor do I expect any governmental response to this market failure. I want to see the technology industry adopt new approaches to monetization, ideally not attention based models, to combat this. I don’t think subscriptions are the only answer here, as many do. We need models that support free consumption of media for many reasons. I think the crypto sector has some answers for us but I am also looking elsewhere. We need new approaches and we need them now. http://avc.com/2017/12/the-digital-advertising-duopoly/

The Digital Advertising Duopoly1


This chart from eMarketer really brings it home. We have a digital advertising duopoly. The difference between second and third place is massive. I don’t want nor do I expect any governmental response to this market failure. I want to see the technology industry adopt new approaches to monetization, ideally not attention based models, to combat this. I don’t think subscriptions are the only answer here, as many do. We need models that support free consumption of media for many reasons. I think the crypto sector has some answers for us but I am also looking elsewhere. We need new approaches and we need them now. http://avc.com/2017/12/the-digital-advertising-duopoly/