My Coke Rewards: What Happened?

As someone who owns Coca-Cola stock because it controls 3.5% of the world’s liquid beverage supply and earns obscenely high profit margins of 29%, I follow the beverage maker’s marketing efforts over the years. In particular, I paid attention to My Coke Rewards, which was launched in February 2006 before being discounted on June 30, 2017.

The purpose of Coca-Cola’s reward program, like any other, is to try and convince its customers to be more loyal to its brand or consume more of its product than would otherwise be if the case due to an incentive. Maybe this means forsaking the occasional Dr. Pepper, or hitting up the vending machine for soda … Read the rest of this article!

First Stock Purchase of 2019

I despise self-promotion, much preferring the approach of the Chinese proverb “Make happy those who are near, and those who are far will come” or the Charlie Munger approach “Do your own work that’s on your desk well, and the rest will take care of itself.” But I also regularly see those who advertise their services obtain dramatically better results than those who don’t, and for that reason, theoretical preferences yield impose prohibitive costs as you approach reality.

With this in mind, I think I have just profiled one of the best stocks that is currently undervalued in the stock market right now. It has a record of over 20% annual returns since … Read the rest of this article!

The Most Important Thing About Money and Investing


The average household income for readers of this site $82,000 per year. That makes sense—there are only three reasons why someone would want to read about money: (1) they have money, (2) they anticipate having money, and/or (3) they act on behalf of people who do have money.

Politically, the typical reader of this site is conservative (I mean, heck, it’s in the name of the site)—however, the typical reader on this site is liberal compared to other websites on the internet that claim folks in the $75,000-$99,999 household income bracket as their regular audience. Statistically, when you leave my site, you are most likely to go directly to another site that involves: … Read the rest of this article!

Sharebuilder Investing: My Review Post-Capital One Merger

Sharebuilder, back in the early 2000s, had a great premise. For a fee of $4 per trade, you could build up an investment position in a stock over time. If you wanted to own, say, $10,000 in Berkshire Hathaway stock, you could launch a plan to buy $500 per month through Sharebuilder for twenty months, and then, you could get there.

At a time when other discount brokerage houses were charging $8-$10 per trade, including Schwab, E-Trade, Fidelity, and TD Ameritrade, Sharebuilder had a clearly defined target market–it provided a lower price for those who wanted to build an investment gradually and wanted to keep fees low.

And being lower cost worked. … Read the rest of this article!