There continues to be a lot of interest rate movement in savings accounts, CDs, and other cash equivalents. I find the most interesting corner right now to be the rise of real yields on TIPS (Treasury Inflation-Protected Securities) and their … [Read the rest]
A big takeaway from my time on the Early Retirement Forums is that while many posters struggle with the decision to leave their jobs, those that have done so rarely look back. If you are a hard-working, competent employee, it's very likely your … [Read the rest]
Update: This offer is now expired. Please visit this page for current CIT Bank products and rates. Expired offer details: CIT Bank is an FDIC-insured bank (now a division of First Citizens Bank) that has offered competitive interest rate … [Read the rest]
Expired: This offer is no longer available. Fifth Third Bank has a $250 new checking bonus when you open an eligible Fifth Third checking account and make direct deposits totaling $1,000 or more within 90 days of account opening. Note that Fifth … [Read the rest]
The recently-republished Quartz article An economist’s rule for making tough life decisions draws from research by Steven Levitt, perhaps best-known for being co-author of the book Freakonomics. The study asked people who were having a hard time … [Read the rest]
In a recent study, the authors opened accounts at six different brokerages with their own money and executed 85,000 market orders. They discovered some interesting details about the actual costs of making trades using "zero commission" stock … [Read the rest]
People are usually quite eager to share their stories of amazing wealth and riches. If you bought Apple in the early years or Bitcoin at $40, why not mention that at a party? Folks are usually much more quiet about their failures. But you can … [Read the rest]
A few readers asked about the Tellus app, which compares itself to savings accounts and pays 3.00% APY with no caps. (4.50% APY is only up to $2,500.) Here's a quick explanation of why it's an easy pass. Tellus investments are not FDIC-insured … [Read the rest]
Everyone loves a 100% money-back guarantee. A popular option on insurance policies is the "Return of Premium" rider. Let's say you buy a $1,000,000 term life insurance for 30 years at $1,000 a year. At the end of 30 years, if you're still alive, … [Read the rest]
In personal finance, I often think in terms of "levers" to push or pull. Here are five different levers to increase your portfolio safe withdrawal rate in retirement. Here are three levers used increase your final savings balance at … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of September 2022, roughly sorted from shortest to longest maturities. We all need some safe assets for cash reserves or portfolio stability, and there are often lesser-known … [Read the rest]
Credit Union 1 (CU1) has a $500 checking account promotion with qualifying direct deposits. Available to both new and existing customers who haven't set up direct deposit yet. Based in Illinois, CU1 membership is open nationwide through membership … [Read the rest]
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