TreasuryDirect.gov is the official site for individuals to directly purchase US savings bonds and US Treasury bonds, including new T-Bills and TIPS at auction. But is it still worth the hassle? Back in August 2024, TreasuryDirect sent me the … [Read the rest]
The United Explorer Card is a Chase-issued credit card that offers unique perks on United Airlines including free checked bags and expanded award seat availability for redeeming miles. Here are the highlights: 80,000 bonus miles after you … [Read the rest]
Coinbase is offering a $50 BTC new user bonus for new customers that complete their first trade of at least $1. Offer expires soon on 11/22/24. The promo code GET50 should already be populated. Fine print says $50 in Bitcoin should arrive within … [Read the rest]
Roth IRAs are popular and powerful, and while they have an earned income requirement, they don't have a minimum age requirement. As long as a child has "official" earned income, they can contribute that into a Roth IRA (technically a Custodial Roth … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of November 2024, roughly sorted from shortest to longest maturities. There are lesser-known opportunities available to individual investors, often earning more money while keeping the … [Read the rest]
Time to clean up some browser tabs! Here are some class action settlements that may apply to you as of November 2024. The trick is to take action and file now before you forget... and then forget! I say this because they could take several … [Read the rest]
The IRS officially announced the new 401(k) contribution limits for 2025 (full news release), which also included a new "super catch-up" allowance for people who are ages 60-63 at year-end 2025. Strangely, it goes back down once you are age 64. I … [Read the rest]
(Update November 2024: This card has added a Global Entry/TSA PreCheck credit worth up to $100 every four years. Might be handy for existing cardholders that have this as an idle card. Currently a $150 sign-up bonus for new customers as well. … [Read the rest]
Howard Marks published another Oaktree Capital memo recently, Ruminating on Asset Allocation, which included several insights about asset classes and how to create a portfolio. I recommend reading the entire thing, but here are a few highlights … [Read the rest]
Update: Savings I Bonds bought from November 1, 2024 through April 30, 2025 will have a fixed rate of 1.20%, for a total rate of 3.11% for the first 6 months. As a quick and dirty comparison, the nominal yield on 5-year Treasury bonds is currently … [Read the rest]
Acorns, known for their "Round-Ups" on purchases that encourage recurring small savings of spare change and beyond, also has a match program for IRA contributions. They also just added a new match program for UTMA/UGMA custodial accounts for … [Read the rest]
We're all told that we should use IRA and 401k accounts to save for retirement due to their great tax benefits. But how valuable exactly are those benefits? 🤔 A huge difference? A little difference? This Morningstar article crunches … [Read the rest]
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