Georgia Tech Online Master’s Degree Update: Computer Science $7,000, Data Analytics $10,000

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Maybe I’m foolish, but I remain hopeful about the potential of software leading to more affordable, accessible education. In 2014, Georgia Tech launched an Online Master of Science in Computer Science (OMSCS) with the goal of offering an accredited, top-tier education at a surprising price of $7,000. The program has been regularly ranked in the Top 10 by U.S. News & World Report, and the traditional residential program costs $28,000 two years of tuition (out-of-state, not including housing).

OMSCS offers the same lectures from the same professors, the same homework assignments, and the same exams. A few other top universities have online versions of their masters programs, but they charge the same tuition as in-person ($40,000+). The diploma is exactly the same as those of on-campus graduates, with no special “online” designation.

Would there be enough interest from qualified candidates? Would it remain financially viable? Would the online program cannibalize from the traditional on-campus program? Would employers discriminate if they found out that this was an online degree? Would the careers prospects be different due to the lack of in-person networking opportunities?

EducationNext recently published an article An Elite Grad-School Degree Goes Online addresses some of these questions. InsiderEd has a an article Online, Cheap — and Elite that summarizes the findings.

Analyzing the first six cohorts of the online program, from spring 2014 to fall 2016, the report found that the typical applicant to the online program was a 34-year-old midcareer American, while the typical applicant to the in-person degree was a 24-year-old recent graduate from India.

Of the 18,000 students who applied to the in-person and online degrees, less than 0.2 percent applied to both, the report said.

Students admitted to the online program typically had slightly lower academic credentials than those admitted to the in-person program, but they performed slightly better in their identical and blind-marked final assessments — a finding the study hailed as “the first rigorous evidence that we know of showing that an online degree program can increase educational attainment.”

Overall, the program has been a success in terms of expanding access to high-quality computer science education. Total enrollment is now over 6,000 students. The questions about career effects will be addressed in future studies.

In 2017, Georgia Tech announced a new Online Masters Degree in Analytics for under $10,000. This is also a nationally-ranked Top 10 program where the traditional in-person tuition ranges from $36,000 for in-state students to $49,000 for out of state. The data analytics program is an interdisciplinary collaboration between the College of Engineering, College of Computing and the Scheller College of Business.

1.1.1.1: Free DNS Server for Faster Internet, Better Privacy

Every time you visit a domain like mymoneyblog.com, you use a DNS server to find its “address”, specifically IP address. However, your internet service provider (ISP) may be logging every single request then selling this data to other advertisers. CloudFlare and APNIC partnered to create 1.1.1.1, an alternative free DNS resolver that doesn’t sell data to advertisers. It also uses CloudFlare’s network of servers to even faster than other DNS servers, even Google’s version.

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Better privacy and faster internet? Sounds good to me. The main concern is that this is a private effort and you have to trust that they will maintain this unprofitable venture. I’ll try it out while it lasts. Learn more here. Installation directions (you must change a few settings) here.

Target Car Seat Trade-In Program: 20% Off Car Seats and Strollers

targetcarseatIn the market for a new car seat or stroller? Target is running their Car Seat Trade-in Event from Sunday, April 22 through Saturday, May 5, 2018. Simply bring in an old car seat or car seat base into a Target store and they will give you a 20% off coupon toward a new car seat, booster seat, car seat base, travel system or stroller. Coupons can be applied to both in-store and online purchases through May 19, 2018.

Certainly, re-use if you can, but car seats actually “expire” after 5-6 years or any sort of accident. The plastics degrade over time (it sits in your car all day) and may no longer handle the extreme stress of a car accident. All car seats made after 2009 should be marked with an expiration date by the manufacturer. In addition, many places don’t accept car seats for recycling. Target will recycle your car seat “to create new products such as grocery carts, plastic buckets and construction materials such as steel beams and carpet padding”.

IKEA In-Store Coupon 2018: $25 off $150

ikea0This weekend only, IKEA has a printable $25 off $150 coupon [pdf] that is valid through 4/22/18. The coupon states that you can also show it on your phone at checkout. Valid in US stores only. Here is selected fine print:

Not valid on IKEA Kitchen Event offer, IKEA services, Eat for Free or Kids Eat Free IKEA Food Offers, IKEA FAMILY Individual Kitchen Planning Service Offer or in the IKEA Restaurant or Swedish Food Market. Not valid on previous purchases or the purchase of IKEA Gift Cards.

IKEA coupons are pretty rare, other than their ongoing $25 off $250 moving coupon.

Firstrade Commission-Free ETF Program Review – Includes Vanguard, iShares Core, Schwab Index ETFs

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Online brokerage Firstrade just announced a new Commisssion-Free ETF program that includes 700+ ETFs from 40 fund families. This is a bold move as it includes both a lot of ETFs (quantity) but also the best ETFs (quality) from providers like Vanguard, iShares, WisdomTree, SPDR State Trust, and Schwab.

Firstrade already cut their standard trade commission to $2.95 per trade in 2017. The program is designed for long-term investors and the ETFs must be held for at least 30 days (if less than 30 days, the commission is the standard $2.95). Leveraged ETFs are not included. There is no need for any special enrollment for this ETF program.

Low-cost, broadly-diversified ETFS across major asset classes. Here is a partial list of ETFs that I noticed:

Vanguard (52 ETFs total)

  • Vanguard S&P 500 ETF (VOO)
  • Vanguard Total International Stock ETF (VXUS)
  • Vanguard Dividend Appreciation ETF (VIG)
  • Vanguard Small-Cap Value ETF (VBR)
  • Vanguard FTSE Developed Markets ETF (VEA)
  • Vanguard FTSE All-Wld ex-US ETF (VEU)
  • Vanguard Global ex-US Real Est ETF (VNQI)
  • Vanguard FTSE Emerging Markets ETF (VWO)
  • Vanguard Short-Term Infl-Prot Secs ETF (VTIP)
  • Vanguard Total International Bond ETF (BNDX)

Notably absent: Vanguard Total Stock Market ETF (VTI)

iShares (173 ETFs total)

  • iShares Core S&P Total US Stock Mkt ETF (ITOT)
  • iShares Core S&P 500 ETF (IVV)
  • iShares Core MSCI Total Intl Stk ETF (IXUS)
  • iShares Core US REIT ETF (USRT)
  • iShares Core MSCI EAFE ETF (IEFA)
  • iShares Core MSCI Emerging Markets ETF (IEMG)
  • iShares Core Dividend Growth ETF (DGRO)
  • iShares Core US Aggregate Bond ETF (AGG)
  • iShares Core International Aggt Bd ETF (IAGG)
  • iShares Short Maturity Bond ETF (NEAR)

Schwab (20 ETFs total)

  • Schwab US Broad Market ETF (SCHB)
  • Schwab US Dividend Equity ETF (SCHD)
  • Schwab Emerging Markets Equity ETF (SCHE)
  • Schwab International Equity ETF (SCHF)
  • Schwab US REIT ETF (SCHH)
  • Schwab US TIPS ETF (SCHP)
  • Schwab US Aggregate Bond ETF (SCHZ)

With this move, they take the title of “Largest Commission-Free ETF Program” from TD Ameritrade. Here’s their comparison chart.

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My take. Overall, competition is good and I always like to see lower prices for long-term ETF investors. Additional considerations:

  • Sustainable? This list is very similar to what TD Ameritrade used to offer commission-free, at least in terms of offering the most popular ETFs. However, TD Ameritrade eventually went for quantity over quality, dropping most of their widely-held ETFs and replacing them with niche ETFs and index ETFs from SPDR. One can only assume this is a loss-leader offering for Firstrade. Will it last?
  • Truly simple portfolios can just stick to the source. If you really want to construct a simple portfolio, you can open an account at Vanguard, Fidelity (iShares), and Schwab and buy ETFs (limited to their family) with no commission. The benefit is that in-house discounts are much more likely to stay free.
  • Tax-loss harvesting. A potential benefit of using a brokerage account is if you do tax-loss harvesting with ETFs. For example, you could sell iShares Core S&P Total US Stock Mkt ETF (ITOT) and buy Schwab US Broad Market ETF (SCHB), all commission-free and in the same account. With the big list above, ETF pairing for almost every asset class are available.

New account promotions. Firstrade is also offering the following new account cash + free trades promotions based on opening deposit. You can get up to $300 cash and 500 free trades. They will also cover up to $200 in account transfer fees when you switch from another broker and $25 in wire fees when you wire money to Firstrade.

Bottom line. Firstrade has a new Commisssion-Free ETF program that offers both quantity (700+ ETFs from 40 fund families) and quality (top-rated and popular ETFs from Vanguard, iShares, and others) for long-term investors (30-day minimum holding period). The standard commission on other stocks and ETFs is $2.95. This sure looks nice, but I hope it is sustainable. We recently saw TD Ameritrade cut back on their Commisssion-Free ETF program.

Southwest Companion Pass: Business Card 60k Bonus + Personal Plus 50k Bonus

swa_logoSouthwest Airlines offers a unique feature called the Companion Pass, which lets you pick one person to fly with free when you book your own paid and/or award flights. If you either fly 100 qualifying one-way flights or earn 110,000 Qualifying Points in a calendar year, and you’ll earn the Companion Pass for the remainder of that year plus the following full calendar year. For example, if you earned it in April 2018, you would have the benefit for the rest of 2018 and all of 2019. You can change your designated companion up to three times each calendar year.

Points earned from credit cards count, including sign-up bonuses. Currently, you can earn 110,000 points from just the top two offers. This may or may not last.

southwestbusinessChase Southwest Premier Business card offers 60,000 points after spending $3,000 on purchases in the first 3 months. $99 annual fee applies. 6,000 points at card anniversary (and you pay another annual fee). No foreign transaction fees.

Chase Southwest Plus card (Personal/Consumer) is offering 50,000 points after you spend $2,000 on purchases in the first 3 months. $69 annual fee applies. 3,000 points at card anniversary (and you pay another annual fee).

Chase Southwest Premier card (Personal/Consumer) is offering 40,000 points after you spend $2,000 on purchases in the first 3 months. $99 annual fee applies. 6,000 points at card anniversary (and you pay another annual fee). No foreign transaction fees.

Restrictions. All of these Southwest credit cards are subject to “5/24” restrictions, which means that your application will be automatically denied if you have opened 5 or more credit cards in the last 24 months (check your credit reports). Our household strategy is to have one person only apply for Chase 5/24 cards, and the other person applies for everything else. There is also this language on the consumer card:

This product is available to you if you do not have a current Southwest Rapid Rewards® Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card and Employee Credit Card products.

Basically, you can get one sign-up bonus from a Southwest consumer card once every 24 months. You can also get one sign-up bonus from a Southwest business card once every 24 months. (Before, for example, you might apply for both a Plus and a Premier close together.)

110,000 Rapid Rewards points redemptions vary in a narrow range, but a reasonable approximation from my experience is $1,700 in Wanna Get Away airfare (you are still liable for taxes and fees from $5.60 one-way). Importantly, Southwest does NOT have blackout dates or seat restrictions when you redeem with points. If $1,700 would have theoretically covered 16 free one-way flights, then with the Companion Pass you’d now be getting 16 free one-way flights for two people! You also can’t forget that Southwest still has the customer-friendly perk of two free checked bags per person. That’s a lot of free and flexible travel.

Our family policy is to not try out a new credit card unless it offers us $500 in total value. Just the free award flights from the points are enough to satisfy that rule, and then you can add on the value of the companion tickets.

Bottom line. Right now, you can earn 110,000 Southwest points from qualifying for just two credit card sign-up bonuses, which is enough points to qualify for the Southwest Companion pass (and a lot of free Southwest flights). This would get you a free companion ticket on every flight bought with cash or points for the rest of 2018 and all of 2019. Southwest still includes two free checked bags per person.

Delta Airlines Hack: Free Credit Monitoring From All Three Bureaus for 2 Years

allclear0In early April 2018, Delta disclosed that hackers may have compromised credit card information from ticket buyers on Delta.com between September 26 and ending October 12, 2017. However, as with many of these “cyber incidents”, this may just be the tip of the iceberg. If you realized actual damages, call 1-855-815-0534 and an AllClearID investigator will help recover financial losses, restore your credit and make sure your identity is returned to its proper condition.

Delta has also paid AllClearID to provide 2 years of free credit repair and monitoring services starting April 7th, 2018 to anyone who thinks they have been impacted. Visit https://delta.allclearid.com to get a unique code that you can redeem at enroll.allclearid.com. AllClear Fraud Alerts with Credit Monitoring includes:

  • Protection at the three national credit bureaus: Starting with the ability to request, renew, and remove a 90-day fraud alert through TransUnion. TransUnion will relay the request to set the fraud alert to Experian and Equifax, and AllClear will send a reminder email when it is time to reset the fraud alert.
  • Credit Monitoring: To detect creditors that ignore the fraud alert law. Available with single or triple bureau option.
  • Annual TransUnion credit report and VantageScore 3.0: For added visibility into your credit file.
  • $1 Million in Identity Theft Insurance Coverage: Provides reimbursement of certain fees, lost wages, and fraud losses related to identity recovery. There is no deductible for this insurance.

The primary thing of value that I see is the free credit monitoring of all three credit bureaus for free. I already have credit monitoring of TransUnion and Experian through various free credit score websites, but none of them cover all three at once. If you actually have damages from identity theft, the repair services and insurance coverage may also be of benefit. I don’t know why they focus on the 90-day fraud alerts, as they are already free to anyone that fills out a simple online form without AllClearID.

Opt-in to 3-bureau monitoring. I signed up, and I should note the the default option is single-bureau credit monitoring. The stated reason is that they don’t want to alert you three times if a the same new event is reported to all three credit bureaus. Really? I am quite interested to see if it is reported to one and not the others. Therefore, I was sure to opt into the 3-bureau option. Screenshot:

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I would also note that AllClearID will call your phone every single time you log in and require you to enter a PIN number and/or voice verification.

Barclays Arrival® Premier World Elite Mastercard Review: Cash Back Analysis

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Barclays has updated their Barclays Arrival® Premier World Elite Mastercard, a new hybrid travel/cashback rewards card with miles that can be redeemed for both cash or transferred to select mileage partners. The “miles” are now more flexible, similar to American Express Membership Rewards and Chase Ultimate Rewards points. This card replaces their discontinued “Arrival Plus” card. Here are the highlights:

  • 75,000 MILES EACH YEAR if you spend $25,000 on purchases.
  • After that, keep earning UNLIMITED 2X MILES on every purchase.
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years.
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits.
  • Access to over 800 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply.
  • No foreign transaction fees.
  • International Chip and PIN for use at self-service chip terminals around the world.
  • Redeem your miles for travel statement credits, which allow you to book the best travel deal with no airline blackout dates, seat limits, or hotel restrictions.
  • Transfer your miles to participating travel loyalty programs.
  • Complimentary online FICO® score access.
  • $150 annual fee.
  • Terms and conditions

Bonus details. Currently, there is no upfront sign-up bonus. Instead, they have spending bonuses – Spend $15,000 on purchases, get 15,000 miles. Spend an additional $10,000 on purchases, get an additional 10,000 miles, for a total of 25,000 miles after $25,000 in purchases.

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Cash back towards travel analysis. You can redeem 10,000 miles for $100 toward all or a portion of your qualifying travel purchase of $100 or more made within the last 120 days. Basically, you pay for any eligible travel purchase on your card (buy airfare, book a hotel, rent a car, etc) and then you use your “miles” afterward to get a cash credit towards that purchase. The rate is 1 cent per point with a $100 minimum redemption. Travel purchases eligible for redemptions are defined as “airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee”.

So if you spent $15,000 in a year, you could get the 2x miles (30,000 miles) plus the 15,000 miles bonus for a total of 45,000 miles worth $450 towards travel. That’s effective 3% back towards travel on all credit card purchases. The same thing occurs at $25,000 in annual total spending (50,000 miles + 25,000 bonus = 75,000 miles total). 3% back towards travel is a very competitive rate.

But wait! There is also a $150 annual fee. At $15,000 annual spend, you would net $300 towards travel (2% back overall). At $25,000 annual spend, you would net $600 towards travel (2.4% back overall). Therefore, if you spend exactly $25,000 a year (average $2,083 a month), then you could 2.4% back on travel on all purchases. I’m a geek, so I plugged the numbers into a spreadsheet to get the chart above of effective cash back towards travel vs. annual spending. There are basically three zones.

  • If you don’t spend at least $15,000 a year on this card, you will net worse than 1% cash back towards travel! This card is horrible for light spenders!
  • If you spend between $15,000 and $25,000 a year on this card, you will net a flat 2% cash back towards travel. Not bad, but there are other cards that earn 2% flat with no annual fee..
  • If you spend exactly $25,000 a year on this card, you will net exactly 2.4% cash back towards travel. As you go above that level, your cash back will start to drop slowly but still remain above 2%.

Miles transfer options. The transfer ratio is 1.4 Arrival “miles” to 1 airline mile for the following partners. Note that you earn 2x miles per dollar spent, so that works out to earning 1.43 airline miles per dollar spent. If you spend $15,000 a year on this card, the bonus results in a total of 2.14 airline miles per dollar spent. These numbers do not include the $150 annual fee.

  • Aeromexico
  • Air France/KLM Flying Blue
  • China Eastern
  • Etihad
  • EVA Air
  • Jet Airways
  • Malaysia Airlines
  • Qantas

The transfer ratio is 1.7 Arrival “miles” to 1 airline mile for the following partners. Note that you earn 2x miles per dollar spent, so that works out to earning 1.18 airline miles per dollar spent. If you spend $15,000 a year on this card, the bonus results in a total of 1.76 airline miles per dollar spent. These numbers do not include the $150 annual fee.

  • Japan Airlines

You may only transfer miles if you are a primary cardmember, and only to a participating travel loyalty program account belonging to you.

Bottom line. The new Barclays Arrival® Premier World Elite Mastercard card has a couple of narrow windows of benefit. If you want cash back towards travel, you must spend more than $25,000 annually on the card to achieve an effective rate above 2%. Aim for between $25,000 and $33,000 annual spend, and you’ll get between 2.3% to 2.4% net cash back towards travel after taking into account the annual fee. If you are good at the airline miles game and can use one of the internationally-based airlines listed above (no domestic airlines), the earn rate is good there as well. Ideally, you’ll want to hit the $15,000 or $25,000 annual spending marks. I prefer simplicity over complexity, so I would point out these alternative cards:

  • If you like airline miles and travel perks: Chase Sapphire Reserve Card Review – 50,000 Ultimate Rewards points bonus (worth $750 towards travel), and $450 annual fee is offset by the $300 annual fee credit, Priority Pass free lounge access.
  • If you like simple cash back: Citi Double Cash Card Review – Simple and flat double cash back, no tiers, no annual fee.
  • If you like cash back towards travel and have $100k in a bank/brokerage account: BankAmericard Travel Rewards Card Review – Up to 2.6% cash back towards travel through Preferred Rewards Program ($100k+ in assets at Bank of America).

To make this card more competitive in the current premium travel card landscape, I would like to see them (1) add a lounge benefit or travel credit to better justify the annual fee, (2) lower the annual fee, or (3) add a sign-up bonus.

SaverLife Review: Starting Saving $20 a Month, Get Another $10 a Month Boost

saverlife0The importance of an emergency fund is often mentioned, but often the hardest thing is to get started. SaverLife.org is a program run by the nonprofit EARN to help working families by encouraging savings. Their idea here, essentially, is to kickstart a savings habit by paying a cash incentive for saving a least $20 each month for 6 months.

How it works. First, make sure you are age 18+ and have a US bank or credit union account. Taken from their FAQ:

  1. Join now by clicking the “Join Now” button at the top right corner of this page.
  2. Enter your name and email address.
  3. Connect your bank account to SaverLife by entering your online credentials so we can track how much you save.
  4. Save at least $20 each month for 6 months in your own bank account. We don’t touch your money, so you’ll need to move money to your linked account yourself.
  5. Earn $10 in rewards each month that you save at least $20.
  6. After 6 months, you can claim your rewards ($60 max) by completing an exit survey and entering your bank’s routing number and your account number.

You can set a goal higher than $20 a month if you’d like, they just set the bar to be encouraging to as many people as possible to start saving. You’ll receive weekly savings tips as well. SaverLife is not a bank or savings account. The money paid is not interest. If you sign up by April 13th, they promise additional “prizes”. Here’s an example of the motivation behind the nonprofit EARN:

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Ideally, you should connect a savings account as they will basically take a snapshot every 30 days to see if your balance is $20 higher than the previous month. For example, if you join on April 10th, then they will check your balance again on May 9th. If you have a savings account, it will be easier to make sure you qualify by simply adding $20 to the account. Having a separate high-yield savings account is a better way to encourage savings anyway.

Bottom line. SaverLife is a free program designed to encourage household savings for working households. Link a bank account and earn $10 cash for every month that you save at least $20 (up to $60 total). I think this is a worthy effort, although I hope they perform some honest, long-term tracking and share if it really helps to develop a regular savings habit.

H&R Block Desktop Tax Software 2017: Fed + State $17.99 (Flash Sale)

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Deal of the Day again 4/4/18. The benefit of “old-school” desktop tax software is that it doesn’t require your Social Security Number and financial details to be stored in the cloud (third-party server where it can be sold or hacked). Here’s a limited-time deal on H&R Block Tax Software 2017 (PC/Mac download or physical CD).

Amazon has H&R Block Deluxe Federal + State for $17.99, the lowest price of the year per CamelCamelCamel. There is also a discount on Premium & Business at $39.99. It looks like the rest are not on sale as Federal only is $20, and Premium is $50. This is a 24-hour “Deal of of the Day” (sorry I don’t get advance notice) and close to the lowest prices ever from last year. If it is out of stock, you can still buy it and lock in the price.

H&R Block Deluxe includes guidance for stock gains and losses, home mortgage interest deduction, and other itemized deductions. Compare that against TurboTax Deluxe Download which makes you upgrade to TurboTax Premier to get guidance for stock sales and dividends. H&R Block Premium includes rental properties and self-employment. All flavors include “Refund Bonus” where you can a 5% bonus if you take your refund in the form of an Amazon gift card.

Keep in mind that for these products 5 Federal e-Files are included but State e-File is extra ($19.95 per state). I would personally just print the (usually shorter) state return out and snail mail it in if you don’t have a free State e-File option.

This might be the last flash sale for this tax year, as the April 15th deadline (17th this year) is nearing.

Chase Freedom & PayPal: 5% Back on Federal Income Tax Payments

Chase Freedom VisaThe Chase Freedom Visa card has updated its quarterly 5% cash back categories for April 1st to June 30th, 2018. One of the eligible cash back categories is PayPal. April is also the time to make both income tax payments along with 2017 tax returns and also quarterly estimated taxes for 2018. PayUSATax.com is an IRS-approved payment processor and accepts PayPal as a payment with a 1.97% transaction fee.

Here is the fine print:

Includes transactions made using your Chase Freedom card with PayPal for purchases or sending money. Eligible transactions only qualify for a total of 5% Cash Back rewards. Purchases made using PayPal at other current 5% quarterly categories will be awarded a total of 5% Cash Back rewards on up to $1,500 in combined purchases. When you send money to Friends & Family via PayPal using your Chase Freedom card, standard transaction fees apply. See PayPal’s fees. Websites and other information provided by PayPal are not within Chase’s control and may not be available in Spanish. Must have/open a PayPal account to send and receive money.

Technically the Chase Freedom earns 5x Ultimate Rewards points, which might actually get you more than 1 cent per Ultimate Rewards point value if you have a Chase Sapphire Preferred (at least 25% more) or Chase Sapphire Reserve card (at least 50% more).

Bottom line. From April 1st to June 30th, 2018, you can make a tax payment of up to $1,500 using PayPal with Chase Freedom as the funding source and get earn 5% cash back while paying only ~2% fee, for a net ~3% profit. You must go through PayUSATax.com. That’s a max profit of about $45, which you could think of as covering your tax prep software.

Book Sale: A Random Walk Down Wall Street + The Intelligent Investor

(Update 4/7: Random Walk is no longer on sale, but Intelligent Investor is still $2.99.)

randomwalk2018Amazon has the Kindle version of two investment classics on sale for $2.99 each at the moment. These are savings of over $10 from the usual price.

A Random Walk Down Wall Street was the first investment book I ever read that dealt with passive investing. My short-but-sweet December 2004 review was one of the first posts on this site – nearly 14 years ago! (I had read some previous books on DRIP plans and individual stock investing.) I should probably re-read it and see if it holds up now that I have read probably 20+ more books on passive investing.

Another coincidence is that I am currently reading the Buffett biography by Roger Lowenstein, and am at the part where Buffett studied under Benjamin Graham at Columbia University.

p.s. If you are a Texas-style brisket aficionado like me, Franklin Barbecue: A Meat-Smoking Manifesto is also on sale for $2.99.