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Primis Bank Novus Checking: 6% APY Guaranteed for 6 Months (4.00% APY Standard)

Primis Bank just rolled out a new Novus Checking account that includes an introductory period of 6.00% APY guaranteed for 6 months on up to $50,000 with qualifying direct deposits. Hat tip to reader Bill P. Highlights: 6.00% APY guaranteed … [Read the rest]

Capital One Spark Cash Select for Excellent Credit Business Card Review: $750 Intro Bonus w/ No Annual Fee

The Capital One Spark Cash Select for Excellent Credit is a business credit card with simple, straightforward cash back along with no annual fee. This version is currently offering a strong $750 cash bonus for new cardholders after qualifying … [Read the rest]

Free Kindle eBook: From Zero to Millionaire

Here's a free Kindle eBook version of a personal finance and investing book that was published just last month: From Zero to Millionaire: A simple, effective and stress-free way to invest in the stock market by Nicolas Bérubé. (That is an Amazon … [Read the rest]

Time to Redeem Older Savings I Bonds With Zero or Low Fixed Rates?

After the November 2023 fixed rate was announced to be higher at 1.3%, I've gotten a few questions about redeeming "old" Savings I Bonds with lower fixed rates (some at 0%) and buying these "new" ones instead. During this current 6-month period, a … [Read the rest]

BMO Alto Online Certificates of Deposit: 5-year CD at 5.25% APY

BMO Alto is the online-only division of BMO Bank N.A. (member FDIC). You can only access BMO Alto products through its unique website, not any existing BMO login. As of 11/8/23, they are offering very competitive rates for CDs (certificates of … [Read the rest]

CIBC Bank Agility Online Savings $250/$500 Deposit Bonus (New & Existing)

CIBC Bank USA has brought back a $250/$500 deposit bonus for customers that are adding new money to their Agility online savings account (you can be a new or existing customer). The bonus is on top of the interest rate, currently a competitive … [Read the rest]

Historical 20-Year Rolling Real Returns: Stocks vs. Bonds (1926-2023)

One of the problems with personal finance content is that there are really only so many ways you can say "buy a low-cost stock index ETF and do nothing for 20+ years". The pressure to make it more complicated is quite intense, if only to cure your … [Read the rest]

Charlie Munger Acquired Podcast Interview w/ Transcript (October 2023)

The Acquired Podcast has new episode with Charlie Munger. As usual Charlie was candid and dropped some truth bombs, although we never quite get to hear what he really thinks about venture capital... 🤐 If you scroll down on the page, you'll … [Read the rest]

New & Improved “No Risk” Portfolio: Stock Upside with 100% Guarantee to Beat Inflation

Allan Roth has another thought-provoking article called Beat Inflation Handily, and Risk-Free with a very attractive proposition: Do you want an expected return of nearly 6% annually above inflation but also want to be assured you will beat … [Read the rest]

Savings I Bonds November 2023: 1.30% Fixed Rate, 5.27% Total Composite Rate

Savings I Bonds bought from November 1, 2023 through April 30, 2024 will have a fixed rate of 1.30%, for a total composite rate of 5.27% for the first 6 months. The semi-annual inflation rate is 1.97% as predicted (3.94% annually), but the full … [Read the rest]

Target RedCard 5% Off Purchases, $50 Off For New Applicants (New Reloadable Version)

(Update: New $50 limited-time offers for new RedCards, including new Reloadable version with no credit check. Offer expires 12/9/23.) The Target RedCard offers 5% off all Target purchases both online and in-store (Target gift cards excluded, … [Read the rest]

Robinhood ACAT Bonus: 1% of Assets Transferred w/ No Cap, Two Year Minimum Hold

Robinhood is looking to gather some assets, rolling out a new ACAT Transfer bonus of a flat 1% of the transferred amount with no cap. That means a transfer of $10,000 in asset value from an external brokerage account will earn a $100 bonus, a … [Read the rest]