“Junior Roth IRA”? Maximizing the 529-to-Roth IRA Rollover

A new automated investing app called FutureMoney is advertising something called the Junior Roth IRATM with some pretty awesome "key benefits", according to their site: - Tax-free growth potential - No earned income required to make … [Read the rest]

Current Fintech App: $175 Bonus w/ Direct Deposit

Bonus increased to $175 for limited-time. Current is a fintech, with banking services provided by Choice Financial Group, member FDIC. After the whole Synapse/Juno/Yotta fiasco, I no longer recommending keeping significant balances in a fintech, … [Read the rest]

Bask Bank Interest Checking $300 Bonus + 3% APY Rate Boost (New Customers)

Bask Bank has a new promotion for their Interest Checking account: Open a new Bask Interest Checking Account between November 1, 2025, and January 31, 2026. Offer is available to new Bask Interest Checking customers who do not have an existing … [Read the rest]

Savings I Bonds November 2025: 0.90% Fixed Rate, 3.13% Inflation Rate (4.03% Total for First 6 Months)

Update: Savings I Bonds bought from November 1, 2025 to April 30, 2026 will have a fixed rate of 0.90% and inflation rate of 3.13%, for a total composite rate of 4.03% for the first 6 months. Compare the total rate with the current short-term … [Read the rest]

Ally Bank Checking (Spending Account): $300 Bonus w/ Direct Deposit (EXPIRED)

Bonus now EXPIRED. Ally Bank has a new checking account promotion for their "Spending Account". You must open your first Spending Account by 11/18/2025 and use the promo code GET300, fund it within 30 days of opening, and set up qualifying direct … [Read the rest]

FT Profile of Fidelity Investments: Culture, History, and Future Prospects as Primary Brokerage

The Financial Times (a British newspaper) has a rare profile of Fidelity Investments (paywall, archive) with the title "Can Fidelity keep its grip on America’s investments?". Fidelity is privately-held (49% by the founding Johnson family now in its … [Read the rest]

Groupon: Costco New Membership $65 w/ $40 Costco Gift Card (+$50 Rakuten New Member Bonus)

Groupon has a limited-time deal on new Costco Gold Star or Executive Memberships. There are two options. Offer expires December 21, 2025. $65 for Gold Star Membership Package 1-year Gold Star Membership (normally $65 by … [Read the rest]

Citi Strata Elite Card Review with Non-Travel Reward Redemptions

Citi has joined in the ultra-premium rewards card category with the Citi Strata Elite credit card. As with similar cards, there are a lot of travel-related perks, some associated "lifestyle" perks, and a hefty annual fees. Yet our "lifestyle" is … [Read the rest]

Longleaf Partners Fund: Beating the Market Is Harder Than You Think

One of the early books that heavily impacted my investing philosophy was Unconventional Success: A Fundamental Approach to Personal Investment by David Swensen. As a very successful (active!) manager of the Yale Endowment, he offered common-sense … [Read the rest]

Most Boring Investment Plan Ever Continues: Buy, Hold, and Rebalance

I rarely share any market commentary, as I mostly believe that waiting around and doing nothing is the best course of action. However, I also have about 89 browser tabs open, and writing helps me organize my thinking, so here are some … [Read the rest]

Barclays Bank Tiered Savings: $200 Bonus on $30,000 Deposit (+3.90% APY)

Barclays Bank Delaware is an FDIC-insured US bank with a limited-time offer of a $200 bonus if you deposit $30,000+ in new funds into their Tiered Savings Account. You must fund within 30 days of opening, and maintain the balance of at least $30,000 … [Read the rest]

How to Close Your US Bank Account or US Bank Credit Card Online

After US Bank completely changed the terms of their Smartly Rewards credit card less than 6 months after application, I have nearly completed closing nearly all of my US Bank accounts, including bank accounts, credit cards, and brokerage accounts. … [Read the rest]