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Healthcare Flexible Spending Accounts $500 Carryover

The U.S. Treasury recently announced that participants in Healthcare Flexible Spending Accounts would now be able to carry over $500 of unused funds into the next year, but only if your employer chooses to allow it. Employers can allow either a 2.5 … [Read the rest]

Google Hangouts iPhone App: Free Voice Calls and Google Voice Compatibility

Google announced a few days ago that third-party apps will no longer work with Google Voice as of May 15, 2014. I already updated my Obihai post, but this will also affect those people who make voice calls over data with GrooveIP or similar … [Read the rest]

Obihai + Google Voice = Free Home Phone Service Until End of 2013

(Update November 2013: Google announced a few days ago that third-party apps like Obihai and GrooveIP will no longer work with Google Voice as of May 15, 2014. Obihai confirmed this on their official blog, while stating that your box will still be … [Read the rest]

Pentagon Federal Offering 3-Year CDs at 2.02% APY

Pentagon Federal Credit Union is now offering 2.02% APY rate on it's 3, 4, 5, and 7-year CDs (they call it a Money Market Certificate). The minimum opening deposit is $1,000. Early withdrawal penalties are as follows: For terms from 6 months … [Read the rest]

US Savings Bonds November 2013 Update

One more quick savings bond update... the official rate for new I Savings Bond was announced and the variable rate is indeed 1.18% but the fixed rate was a surprise at 0.20%. It's still very small, but the last time we got a rate slightly above … [Read the rest]

Consistently Top-Rated 529 Plans: Morningstar Gold and Silver Ratings 2010-2013

Investment research firm Morningstar rates 529 plans in their annual "529 College Savings Plans Research Paper and Industry Survey". They recently announced their top plans from the 2013 survey, although it appears the full study and state-specific … [Read the rest]

Savings I-Bonds September/October 2013 Rate Speculation

Update 11/3/13: The new rates for November 2013-April 2014 are 0.20% fixed and 1.18% variable. See details here. … [Read the rest]

Lessons from a Man Living on $5,000 a Year

Can a person live in the US on only $5,000 a year? According to this NBC News article and this Youtube video, Dan Price has been doing it for 20 years. I enjoy these kinds of interviews as they reinforce the fact that we all make choices every … [Read the rest]

Ally Bank CD Early Withdrawal Penalty Change: Details & Analysis

Ally Bank just announced that they will be changing the early withdrawal policy on their CDs starting on December 7, 2013. Found via Ken Tumin's DepositAccounts post, the details are now officially outlined in the fees tab of their certificates of … [Read the rest]

Quick Reference: Membership Rewards vs. Starwood Points vs. Chase Ultimate Rewards

Due to birth of our first child, we haven't been traveling much the last 24 months. However, I've still been racking up the miles (via credit card bonuses, credit card rewards, dining rewards, and shopping portals) and have built up a sizable pile … [Read the rest]

American Express Membership Rewards Transfer Bonuses – British Airways, Virgin Atlantic, Choice Hotels

American Express occasionally runs limited-time promotions that increase the transfer rate from their Membership Rewards points. To see these bonuses, visit MembershipRewards.com. Currently promotions: British Airways 20% Bonus. That makes … [Read the rest]

Lessons from the First Jobs of Financial Gurus

Chris Taylor of Reuters has been writing some mini-interviews about the first jobs of well-known finance gurus like Warren Buffett and Jack Bogle. They include newspaper delivery boys, retail stockboy, gofer, shoeshine boy, USPS mail sorter, … [Read the rest]