Lower Expense Ratios (Still) Predict Higher Performance

The reason that low-cost index funds continue to grow in popularity each year is simple - they make you more money! If Wall Street could figure out how to make you more money reliably with their sheer skill and then charge you for a little sliver of … [Read the rest]

Air Canada x Chase Sapphire Reserve 5,000 Point Flight Reward Certificate

Air Canada is offering Chase Sapphire Reserve cardholders a free 5,000 Point Flight Reward Certificate, which reduces the costs of your award flight redemption by 5,000 points. You must be enrolled in Aeroplan, register on the site by 8/18, and … [Read the rest]

Pet Deals: Amazon $30 Credit w/ $100+, Chewy $30 Gift Card w/ $100+ Purchase

Competing pet offers are back. Chewy and Amazon tend to have their pet sales at the same time. Keep in mind that each retailer has a different list of "eligible" items, so hopefully the brand you use is on at least one of their lists. Amazon: … [Read the rest]

Vanguard Letter: Choose an Automated Cost Basis Method (MinTax Warning)

Vanguard has been sending out letters to clients with SpecID as their default cost basis tracking method. This letter has caused a lot of confusion. My understanding is that they will no longer let you use SpecID for automated sell transactions, … [Read the rest]

Best Interest Rates Survey: Bank Accounts, Treasury Bills, Money Markets, ETFs – August 2025

Here's my monthly survey of the best interest rates on cash as of August 2025, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of our idle cash, and you can often earning more money while keeping the … [Read the rest]

Blue Cash Preferred® Card from American Express Review: 6% Cash Back at US Supermarkets ($6,000/Year), Enhanced $120 Disney Streaming Credit

Updated with improved $120 Disney Streaming Credit (now up to $10 per month with no minimum or bundle required). The card_name is one of my longtime keeper cards even with an annual fee. The headline feature is 6% cash back at US stand-alone … [Read the rest]

Random Tip: Amazon Items Under $1

Did you know that if you search for "items under $1" on Amazon, you'll get... a bunch of random stuff not under $1... but also many items indeed $1 and under? If you click on the checkbox to the top left, you can list only Prime-eligible items. … [Read the rest]

The Only AI Megatrend That Matters: Own the Businesses

We are surrounded by predictions about the imminent effect of AI. The CEO of Anthropic says that AI could wipe out half of all entry-level white-collar jobs, a "white collar bloodbath". Vanguard (which has really started to like throwing … [Read the rest]

US Bank Smartly Credit Card Review: More Negative Changes September 2025

Update August 2025: Previously-grandfathered "V1" cardholders should have received both paper and e-mail notifications of new changes that are to be effective 9/15/25. The e-mail subject will be "Important information about your U.S. Bank Smartly … [Read the rest]

Marriott Bonvoy Business® American Express® Card Review: 125,000 Points Limited-Time Offer

New limited-time offer, at all-time high values. The card_name is the re-branded business credit card of the Marriott Bonvoy program. This card offers unique perks for Marriott customers, along with a generous new customer incentive. Here are the … [Read the rest]

Americans Spend More on Healthcare than Housing?!

Housing has always been considered the biggest expense in a family's budget. More recently, everyone's grocery and restaurant bills have skyrocketed, bringing food costs into focus. But the biggest item in your budget is very likely to be … [Read the rest]

BJ’s Wholesale Club: $15 for 1-Year Membership + $15 Reward (Regularly $60)

Groupon has a BJ's Wholesale New Membership deal with $15 for a One-Year BJ’s The Club Card Membership that also includes a $15 reward with $45 purchase. Regular price is $60. There is also an option for $40 for a One-Year BJ’s The Club+ Card … [Read the rest]