Capital One 360 has a new special 11-month CD at 5.00% APY. Note that unlike many other 11-month CDs, this one does have an early withdrawal penalty of 3 months of interest, and it looks like they will eat into principal if you withdraw in the … [Read the rest]
$6,000 IRA Contribution Goal 2022 Final Results: $6,259+ in Total Bonuses
Posted on February 1, 2023 // 19 Comments
2022 Year-End Update. Each year, I have a side goal of earning the equivalent of the maximum annual IRA contribution limit ($6,000 for 2022) using the profits from various finance promotions alone. In 2021, I reached $5,592 in bonuses and $2,500+ … [Read the rest]
Primis Bank: Premium Checking and Saving 4.35% APY (5.03% APY for Grandfathered Customers)
Posted on January 31, 2023 // 28 Comments
Update 2/17/23: Primis announced that new customers will only get 4.35% APY. Existing customers who got in while it was 5.03% APY will be grandfathered in for the time being (duration unknown). You were one of the first – and you deserve the … [Read the rest]
Steady Investing Returns: $833 a Month x 10 Years = $145,000 (2013-2022)
Posted on January 29, 2023 // 2 Comments
Instead of only looking at year-to-date or last year's return numbers that are often quoted in the media, I also like to take a longer-term perspective (especially on down years). How would a steady investor have done over the last decade? … [Read the rest]
CreditUnion1 High Yield Savings Plus $1,000 Deposit Bonus
Posted on January 24, 2023 // Leave a Comment
CreditUnion1 is offering a $1,000 bonus on its High Yield Savings Plus account. This promo requires a $100,000 minimum deposit held for 12 months, so it has a limited audience, but it does provide an opportunity to understand why some of these … [Read the rest]
Home Ownership Affordability: Historical Factors and Charts
Posted on January 22, 2023 // Leave a Comment
The recent double-whammy of rising home prices and quickly rising interest rates has created a drop in home sales. The Federal Reserve Bank of Atlanta created the Home Ownership Affordability Monitor (HOAM) Index, which tracks the ability of a … [Read the rest]
Marcus Bank: $100 Bonus on $10,000 Deposit (New and Existing Customers)
Posted on January 20, 2023 // 17 Comments
Marcus by Goldman Sachs is offering a $100 bonus if you deposit $10,000+ in new funds into their online savings account within 10 days of enrollment at this special offer page. Valid for both new and existing customers. You must enroll by 2/15/2023 … [Read the rest]
Callan Periodic Table of Investment Returns 2022 Year-End Update
Posted on January 17, 2023 // 1 Comment
It's the same at the end of every year. People will explain 2022 to you like it was obvious that cash would be king, and the proceed to make confident predictions about 2023. Humility may not get you a lot of social media followers, but it's a … [Read the rest]
Better Future: Free Background Check Powered by Checkr
Posted on January 17, 2023 // 2 Comments
(Update 2023: Better Future suspended their free background checks during the pandemic, but I just noticed that they are back up and running, An inaccurate background check can prevent you from getting a job, so it is better to check now and … [Read the rest]
Public App Treasury Account Review: 6-Month T-Bill Interest With The Ease of a Savings Account?
Posted on January 12, 2023 // Leave a Comment
Investing app Public just announced a Treasury Account which basically lets you buy and hold 6-month US Treasury Bills in a more convenient wrapper (press release). You can invest as little as $100 and they will buy the T-Bills for you (and sell … [Read the rest]
Paper Savings Bonds: Pay w/ Credit Card by 1/17, Use Tax Refund To Increase Purchase Limit by $5,000
Posted on January 11, 2023 // 2 Comments
As inflation spiked, so did interest in purchasing inflation-linked Series I Savings bonds. Some folks have been going to extra lengths to increase their ability to purchase them, buying savings bonds for kids, trusts, LLCs, corporations, and so on. … [Read the rest]
Best Interest Rates on Cash – January 2023
Posted on January 10, 2023 // 3 Comments
Here's my monthly roundup of the best interest rates on cash as of January 2023, 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]
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