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Health Care Sharing Ministries: Understanding the Risks and Bankruptcy Examples

Back in 2020, I wrote a post Do Not Buy List: Healthcare Sharing Ministry As Health Insurance Alternative. Although they may present a lower-cost option that even aligns with your faith, they can also contain hidden and unpredictable risks. Since … [Read the rest]

Elements Financial CU: 4.25% APY Savings Until 10/31, 5.00% APY Rewards Checking for 12 Months ($20k Max)

New promos with rate guarantees. Elements Financial Credit Union has a new rate of 4.25% APY on their High-Yield Savings on balances of $10,000+ (different from their Helium Savings). The promo rate is guaranteed until October 31, 2023. … [Read the rest]

HMBradley Bank Review: 4.50% APY w/ New Credit Card Spend Requirements

Update May 2023: Rate tiers are now up to 4.50% APY. You may be grandfathered from the activity requirements until 6/30/23 if you were an existing user. Older review, last updated October 2022: HM Bradley announced several … [Read the rest]

IRS Clarifies Federal Taxation of Special State Relief Payments

In 2022, 21 states issued special relief payments to eligible residents in 2022. The Tax Foundation has a partial list of state rebate checks. But do these state relief checks count as taxable income at the federal level? After taking a bit to … [Read the rest]

Capital One VentureOne Rewards Credit Card: 20,000 Bonus Miles + 0% Intro APR Offer w/ No Annual Fee

The Capital One VentureOne Rewards Credit Card is their no-annual-fee travel rewards card with a flat 1.25x miles per dollar on all purchases. There are bigger rewards and bonuses from the premium Capital One Venture and ultra-premium Capital One … [Read the rest]

Vanguard: 401(k) Balances Dropped by 20% in 2022, But Few Panicked

Vanguard has released some preview numbers from its 2023 America Saves report, which covers the nearly 5 million 401k, 403b, and other retirement plans that Vanguard administrates. More stats in this CNBC article. Even though the average balance … [Read the rest]

Charlie Munger Daily Journal Annual Meeting 2023 Video, Transcript, and Highlights

Charlie Munger is now 99 years old and still answering blind questions on the fly at the 2023 Daily Journal Annual Shareholder Meeting. CNBC has posted the full 2+ hour interview with Becky Quick on YouTube. You'll miss out on his snarky tone, but … [Read the rest]

Sports Betting vs. Investing: Slight Edges Adding Up in Very Different Ways

According to CNBC, over 100 million bets were placed over Super Bowl weekend. Sports gambling is becoming more and more accepted as a casual part of the entertainment, but right now people are hiding from their spouses and partners the fact that … [Read the rest]

Ally Invest and Ally Bank: Access High-Yield Vanguard and Fidelity Money Market Funds

Ally Invest is the self-directed brokerage arm of Ally Financial, and you may have an account from previous TradeKing and/or Zecco mergers. Ally Invest just removed their $9.95 mutual fund transaction fee, including for money market funds: At … [Read the rest]

Best Interest Rates on Cash – February 2023

Here's my monthly roundup of the best interest rates on cash as of February 2023, roughly sorted from shortest to longest maturities. We all need some safe assets for cash reserves or portfolio stability, and there are often lesser-known … [Read the rest]

Marriott Bonvoy Boundless Card Review

The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (including hotels from the merger of Starwood Preferred Guest and Marriott). Here are the highlights: 3 Free Night Awards up to a 150,000 … [Read the rest]

Tiicker: Shareholder Perks: New $100 Amazon GC Offer

Update: Tiicker has added a few new Perks for Real Good Foods, the most direct one being a $100 Amazon gift card for holding 50 shares of RGF with no minimum holding period. There are also other bigger perks for holding a lot more shares for at … [Read the rest]