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Thankful: Replacing “I Have To” With “I Get To”

One trick that I picked up these year was to replace "I have to" with "I get to" when I start feeling tired, stressed, and grouchy. It's a simple way to remind myself to be thankful for many of the everyday things we "have" to do. Here are some … [Read the rest]

TopCashBack: $25 to Spend at Walmart Freebie (New Members) rebates you back a percentage of your purchases made through online stores like or There are many such cashback portals, but TopCashBack promises to rebate you 100% of all commissions earned. If you are going … [Read the rest]

Orion FCU Premium Checking Review: Now 3% APY (Up to $15k) w/ Activity Requirements

Update 11/25/19: Orion FCU sent an e-mail to existing members that they will be lowering the rate on the Premium Checking account starting 12/1/2019. Thanks to reader Bill for the tip. Instead of 4% APY on up to $30k, they are implementing the … [Read the rest]

Andrews FCU 3-Month/84-Month Certificates at 3% APY

Andrews FCU has a few special certificate rates going on right now. These aren't my idea of doorbusters, but interest rates are low again and these do manage to break the 3% APY barrier (barely). 3-Month Share Certificate at 3.01% APY ($1,000 … [Read the rest]

The Permanent Gift Guide 2019 – Give Stuff That Lasts Forever

I'm reading through all these gift guides and so much of it seems just trendy and disposable. Do any of the authors actually own all the stuff they list? How many of these gifts will end up forgotten in a few months? I decided to create an … [Read the rest]

SoFi Money $50 Cash Bonus / SoFi Invest $100 in Free Stock / $100 Direct Deposit Bonus / 20% Off Lyft Rides

(New promo: Get 20% off Lyft rides from now until February 18th, 2020 when you link your SoFi Money debit card as the default payment method. No other activation or promo code required. Up to $1,000 cash back. Don't open a new account through that … [Read the rest]

Best 0% APR Balance Transfer Credit Cards – November 2019

Updated. I enjoy optimizing my credit card rewards, but I would ignore points or airline miles if I was carrying a balance at 15%+ interest! In fact, the WSJ reports that companies are charging higher interest rates because of their generous rewards … [Read the rest]

Discounted Delta Gift Cards: 10% Off at Costco

Costco has 10% off face value on Delta Airlines gift cards for a limited-time. Face value $500 and $1,000. No expiration date. You must sign-in as a Costco member to purchase. Delta Gift Cards can be used toward airfare on any … [Read the rest]

Fundrise eREIT vs. VNQ Vanguard REIT ETF Review: 2-Year Update (November 2019)

Updated November 2019. This is the 2-year update on my experiment comparing a Fundrise eREIT portfolio and the Vanguard REIT ETF. In Fundrise, we have a start-up that bought a concentrated basket of roughly 20 properties chosen from the private … [Read the rest]

Peerstreet Foreclosure Case Study #2 (Real Estate Crowdfunding)

I’ve invested in multiple real estate crowdfunding sites, and the one that I've put the most money into ($50,000+) is the PeerStreet real estate loan marketplace. If I had to give one tip about this type of real estate investing, it is that you need … [Read the rest]

Top 10 College Rankings by Return on Investment (ROI)

When I was applying to college, my parents went to the drugstore, bought a copy of US News & World Report magazine, and said that I could only apply to a school ranked in the Top 5 for my major (Engineering). That was the only out-of-state or … [Read the rest]

529 College Savings Plans: All 50 States Tax Benefit Comparison (Updated 2019)

Updated for 2019. When choosing a 529 college savings plan, you can open a 529 plan from any state. However, each state can vary widely in what they offer in terms of tax deductions and/or matching grants. 16 states offer no tax break on … [Read the rest]