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Health Insurance Required to Cover Free At-Home COVID Tests Starting 1/15

If you've been facing the prospect of spending hundreds of dollars on at-home COVID tests so that you and/or your kids can go back to work/school after an exposure event, please note that starting Saturday, January 15th, health insurance companies … [Read the rest]

Citi Premier Card Review – 60,000 ThankYou Points (Worth $600 in Gift Cards and More)

The Citi Premier Card is a re-structured rewards credit card offering 60,000 bonus points (redeemable $600 in gift cards at Here are the highlights: 60,000 bonus ThankYou points after $4,000 in purchases in the first 3 months 3X … [Read the rest]

Chase Freedom Flex Review: $200 Bonus, 5% Rotating Categories, 3% Back on Dining Out, No Annual Fee

The Chase Freedom Flex Card is the new 5% cash back rotating category card for Chase, including the notable addition of 3% cash back on dining out and drugstore purchases. All of the popular features from the old Freedom remain as well: Up to 5% … [Read the rest]

Chase Freedom Unlimited Review – 1.5% Flat Cash Back + New Cardholder 1.5% Cash Back Bonus

The Chase Freedom Unlimited Card is a no-annual-fee rewards card which earns a flat 1.5% cash back on all purchases (or a possibly more valuable 1.5 Ultimate Rewards points per dollar spent). This is a different card from the new Chase Freedom Flex, … [Read the rest]

PSA: Ask For Extension/Credit on Expired Free Hotel Night Certificates

Many hotel rewards programs offer free night and upgrade certificates as a perk, and many of them were set to expire on December 31st. However, many programs are offering a courtesy extension and/or points credit. Some may have quietly extended … [Read the rest]

Best Interest Rates on Cash – January 2022 Update

Here's my monthly roundup of the best interest rates on cash as of January 2022, roughly sorted from shortest to longest maturities. Significant changes since last month: 7.12% Savings I Bonds annual purchase limit reset for 2022, new 2% APY LFCU … [Read the rest]

5% Cash Back Cards: Grocery Stores, eBay, Fitness Clubs, Amazon – January through March 2022

Activation reminder for 2022 First Quarter. The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year … [Read the rest]

GMO: The Case For Investing in Non-US Stocks (Even Though Recent Performance Is Poor)

The GMO quarterly letter is on my recurring "must read" list, and the 2021 Q3 letter "Winners, Losers, and the Case for Owning Each" did not disappoint, including some very interesting data for the DIY investor that wants to stay informed. Here are … [Read the rest]

2022 401k and IRA Contribution Limits

The beginning of the year is a good time to check on the new annual contribution limits to the various available retirement accounts. Our income has been quite variable these last few years, so I regularly adjust the paycheck deferral percentages … [Read the rest]

Vanguard Target Retirement Funds – Surprise 10%+ Year-End NAV Drop and Capital Gains Distribution Explained

The Vanguard Target Retirement Funds are one of the largest "set-and-forget" mutual funds that own a mix of stocks and bonds that automatically adjust over time based on your targeted retirement year, with combined assets across the institutional and … [Read the rest]

Portfolio Asset Class Returns, 2021 Year-End Review

2021 is finally in the books! Most of my portfolio is in low-cost index funds across various asset classes, which I purposefully ignore most of the time as I believe the proper time horizon is at least several years long. However, I do check in … [Read the rest]

MMB Project Free IRA 2021: $5,592 in Bonuses, $2500+ in Extra Interest

2021 end-of-year update. I have an informal goal each year of earning the equivalent of the maximum annual IRA contribution limit of $6,000 using the profits from various promotions alone. If you had put $6,000 into your IRA every year for the … [Read the rest]