Citi ThankYou Points: 1:1 Transfers to Accor ALL Hotel Program (Limited-Time Offer)

Posted on July 21, 2025 // Leave a Comment

Update: Expired, although even the default transfer is still a decent way to get over one cent per point value out of your Citi ThankYou points. Original, expired post: If you have a stash of Citi ThankYou points, right now at … [Read the rest]

Aeroplan® Credit Card Review: 85,000 Bonus Points (Improved Offer)

Posted on July 20, 2025 // 9 Comments

Improved offer. The Aeroplan® Card is the Air Canada co-branded credit card for US customers, issued by Chase. If you fly Air Canada regularly, this card makes the experience better in many different ways. If you don't fly Air Canada regularly, … [Read the rest]

Virgin Red Rewards Credit Card: 60,000 Bonus Points (Improved Offer)

Posted on July 20, 2025 // 1 Comment

The Virgin Red Rewards credit card is the co-branded card for Virgin Red, the loyalty program for Virgin Atlantic flights, Virgin Hotels and Virgin Voyages. In addition, Virgin points can be used for other things like Delta Airlines flights, … [Read the rest]

New Vanguard Bond ETFs: Total TIPS ETF (VTP) & Total Treasury ETF (VTG)

Posted on July 17, 2025 // 3 Comments

Following Vanguard's stated plans to expand into fixed income, Vanguard recently announced the following new bond ETFs (press release): Vanguard Total Inflation-Protected Securities ETF (VTP). Seeks to track the performance of an index of the … [Read the rest]

Vanguard CEO Salim Ramji Interview Highlights: What’s Next?

Posted on July 15, 2025 // 3 Comments

It has been almost exactly a year since Salim Ramji moved from Blackrock to start his new job as CEO of Vanguard (July 8, 2024, announced May 2024). I don't think it is a coincidence that he has been doing a bunch of extended interviews recently, … [Read the rest]

Utah My529 Plan Lowers Fees Again: A Consistent History of Fee Drops

Posted on July 15, 2025 // 2 Comments

Updated July 2025. My personal choice amongst all the 529 plans is the My529 (Utah) college savings plan for all three of my children. Formerly known as the Utah Educational Savings Plan (UESP). The Utah My529 plan feels like it has the highest … [Read the rest]

MSCI World Stock Dividends vs. Earnings Drawdowns

Posted on July 14, 2025 // 3 Comments

Here is an interesting chart that shows the historical drawdown rates of dividends vs. earnings for the MSCI World index (which tracks large/mid-cap stocks on a global cap-weighted basis). Taken from the Mid-Year Investment Outlook 2025 from JP … [Read the rest]

Citi AAdvantage Platinum Select Credit Card Review: 80,000 Bonus Miles (Limited-Time Offer)

Posted on July 10, 2025 // 7 Comments

Limited-time offer. The Citi AAdvantage Platinum Select World Elite Mastercard is the co-branded American Airlines card from Citi. Here are the updated card highlights: 80,000 American Airlines miles after $3,500 in purchases within the … [Read the rest]

Buy $100 Apple Gift Card, Get $10 Best Buy e-Gift Card Free

Posted on July 10, 2025 // Leave a Comment

Get a $10 Best Buy eGift Card with $100+ in Apple Gift Card purchases. A simple gift or a good deal if you plan to buy any Apple products/services in the future (and shop at Best Buy). Looks to be online only. Apple gift cards are now good for … [Read the rest]

Best Interest Rates Survey: Savings Accounts, Treasury Bills, Money Markets, ETFs – July 2025

Posted on July 9, 2025 // 1 Comment

Here's my monthly survey of the best interest rates on cash as of July 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 same … [Read the rest]

Target Circle Week 2025: 10% off Target Gift Cards, Check Your Circle Bonuses

Posted on July 8, 2025 // 4 Comments

Target Circle Week 2025 runs from July 6th-12th with various discounts and deals. Here are the highlights: Saturday 7/12 Only: 10% off Target Gift Cards, up to $500 in face value. Easy savings, also useful for gift-giving. Purchase with … [Read the rest]

Amazon Prime Day 2025: Live Deals (Apple, Dyson, Gift Cards), Free Trials, Reset Credit Card Bonuses

Posted on July 8, 2025 // 5 Comments

Amazon Prime Days 2025 is now live and runs July 8-11th, 2025. Besides the sales, this is also the time where a lot of easy credits and extended free trials are reset, so now is a good time to see if you can use them yet again. As usual, I … [Read the rest]

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