Redeeming Citi Prestige ThankYou Points For American Airlines Flights


It has been nearly a year since I picked up my Citi Prestige card (review), and I've done my best to take advantage of the available perks: - $250 in Airfare credit for 2015 - $250 in Airfare credit for 2016 - $100 statement credit to offset my … [Read the rest]

Free State Income Tax E-File Options For All 50 States (Updated 2016)


Re-checked and updated for 2016 (Tax Year 2015). With commercial tax prep software, it is always wise to note the cost of your state return and e-File as it may actually cost more than your federal return. As such, you may wish to do your state … [Read the rest]

TurboTax vs. TaxACT vs. H&R Block Online 2016 Lightning Review


For the last few years, I've completed my personal returns top-to-bottom using each of the three most popular online tax prep providers - TurboTax, H&R Block, and TaxACT. I started my 2015 tax year returns this weekend, but each one was close … [Read the rest]

Making Your Nest Egg Last: Safe Withdrawal Rates vs. Sustainable Withdrawal Rates


Reading Warren Buffett's Annual Letter always reminds me that stocks are not just some numbers that bop up and down, but are shares of real businesses with land, factories, knowledge, and hard-working people. This helps reassure me that the value … [Read the rest]

Starwood Preferred Guest American Express – 35,000 Points Limited-Time Offer

Starwood Points Convert Easily to Frequent Flier Miles

Limited-time offer. The sign-up bonus for this SPG American Express is now 35,000 Starpoints with the annual fee waived for the first year. Ends March 30th, 2016. This is the highest level the bonus has been, which is good to know since you can only … [Read the rest]

Ask The Readers: Refinancing Student Loan Debt?


Sometimes I get questions about dealing with student loan debt, but I no longer feel well-qualified to answer. I graduated in 2000 with roughly $30,000 in student loan debt myself, but I never participated in any government-backed repayment plan, … [Read the rest]

Pay with Discover Card Cash Back Points at ($15 First-Time Bonus)


If you have cash back rewards accrued from Discover credit cards, you can use them to buy eligible items at The redemption rate is $1 in Cash Back Bonus = $1 to spend at Amazon, which is the same rate as their statement credit … [Read the rest]

Netspend Card 5% APY Savings Account Review


Prepaid debit cards are a growing niche for the "under-banked" or "un-banked" who can't or don't want to use traditional checking accounts to hold their cash. In order to promote the adoption of prepaid debit cards as their sole financial hub, many … [Read the rest] Review: Automated Interest Rate Chasing


Back when interest rates were higher, I was a "rate chaser" that was constantly shifting my cash balances to whatever promotional rate was highest. With the growing popularity of "robo-advisors" that manage your retirement portfolio using automated … [Read the rest]

Bank of America Free Museum Tickets 2016 Dates


Bank of America runs a program called Museums on Us which offers cardholders free admissions to 150 museums, science centers, and botanical gardens nationwide on the first full weekend of every month (Saturday and Sunday). Simply present any valid … [Read the rest]

Museum Day: Free Tickets Nationwide On Saturday, March 12th 2016


Museum Day Live! is usually an annual event hosted by Smithsonian magazine in which participating museums across the country open their doors to anyone presenting a Museum Day Ticket for free. This is in following the spirit of Smithsonian … [Read the rest]

Real World IRA Asset Allocations vs. “Age in Bonds”


As a follow-up to my last post on 100% stocks forever, the referenced NYT article had some neat data that I hadn't seen anywhere else. This chart shows how the overall asset allocation of IRAs held by Vanguard change according to the age of the … [Read the rest]