Here's my monthly roundup of the best interest rates on cash as of July 2021, roughly sorted from shortest to longest maturities. You will find lesser-known opportunities to earn 3% APY and higher while still keeping your principal FDIC-insured or … [Read the rest]
Vanguard: Improving Portfolio Safe Withdrawal Rates for FIRE
Posted on July 12, 2021 // 1 Comment
Vanguard Research has published a new whitepaper titled Fuel for the FIRE: Updating the 4% rule for early retirees, which discusses its assumptions and how different factors can hurt or improve your odds of success. Many of these topics have been … [Read the rest]
Stockpile Review: Starter Investing For Kids, Buy Stock Gifts via Credit Card With No Fee
Posted on July 11, 2021 // 4 Comments
Stockpile is a niche stock broker that is designed for beginner investors, especially children. You can purchase a gift card for $25, $50, $100, etc. and then a child/parent can redeem that gift card an open their own custodial brokerage account. … [Read the rest]
AmEx Shop Small Offer 2021: $5 off $10+ on Two Purchases
Posted on July 5, 2021 // 1 Comment
If you have any American Express credit cards, check your "Amex Offers" in either your online account or smartphone app. Most people are seeing the offer "Spend $10+, get $5 back up to 2X (total of $10) after you Shop Small". Get a $5 … [Read the rest]
S&P 500 Dividend Aristocrats Infographic: Current Dividend Yield vs. Years of Consecutive Dividend Growth
Posted on July 1, 2021 // 2 Comments
A Dividend Aristocrat is a company in the S&P 500 index that has paid and increased its dividend payout every year for at least 25 consecutive years. You're looking at companies that have had such reliable profits over multiple economic cycles that … [Read the rest]
6 Months of Disney+ Free with Amazon Music Unlimited
Posted on July 1, 2021 // Leave a Comment
Amazon is running a new Amazon Music Unlimited promotion that includes up to 6 months of Disney+ streaming subscription free: New Amazon Music Unlimited subscribers: Prime members pay a $7.99 month, and you get 6 months of Disney plus for free … [Read the rest]
Coinbase Interest Account: Earn 4% APY on USDC Stablecoin Deposits, Backed By Coinbase
Posted on June 29, 2021 // 3 Comments
Coinbase just announced its Coinbase Savings account product which pays 4% APY on USDC stablecoin deposits. There are several competitors in this area designed to compete against traditional bank savings accounts, even though they aren't FDIC … [Read the rest]
Die With Zero: How to Spend (All) Your Money
Posted on June 28, 2021 // 17 Comments
You might be saving too much money right now! You need to spend more! That is the unconventional message of the book Die With Zero by Bill Perkins. Some delayed gratification can be a good thing, but it can be a very bad thing if you simply end … [Read the rest]
Announcement: NEW New E-mail Newsletter Service!
Posted on June 26, 2021 // 5 Comments
As previously mentioned, Feedburner/Google is shutting down their e-mail service permanently as of July 1st, 2021 (very very soon!). I thought that switching over to a new provider would be easy (and free), but I was mistaken. After additional … [Read the rest]
IRS Tools to Track and Manage Enhanced Child Tax Credit Payments (Starts July 15th)
Posted on June 23, 2021 // 3 Comments
The American Rescue Plan Act (ARPA) of 2021 "enhances" the Child Tax Credit, increasing it to up to $3,600 for each child under 6 and $3,000 for each one under age 18. Eligible parents will receive half in advance via direct payments spread out … [Read the rest]
Alliant Credit Union Visa Signature Card Review: Up to 2.5% Cash Back, But With Some Hoops
Posted on June 23, 2021 // 12 Comments
New rules as of July 2021. Alliant Credit Union, the 5th largest US credit union by assets, is changing up the terms of their Alliant Visa Signature Credit Card (again) as of July 2021. There are now additional hurdles to achieving the full 2.5% … [Read the rest]
HM Bradley Credit Card Review: 3-2-1 Cash Back, Saving Tier APY Boost
Posted on June 21, 2021 // 3 Comments
Update December 2021: On December 15th, 2021, HMBradley announced upcoming changes to their interest rate that will become effective February 1st, 2022, along with changes to their credit card boosts that are effective January 1st, 2022. See my HM … [Read the rest]
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