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Best Interest Rates on Cash – August 2022 Update

Here's my monthly roundup of the best interest rates on cash as of August 2022, 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 opportunities … [Read the rest]

JP Morgan Self-Directed Brokerage: Up to $625 New Deposit/Transfer Bonus

Brokerage firms constantly compete for "assets under management", and many are willing to give you cash to move over your existing portfolio from your existing broker over to them. If you are unsatisfied with your current broker, these incentives … [Read the rest]

Capital One Cardholders: Free Global Museum Tickets via The Cultivist

Capital One credit cardholders can get 6 months of free access to 100+ museums worldwide via The Cultivist (valid for cardholder & up to three guests). Visit thecultivist.com/capitalone and input the 16 digits of your eligible Capital One credit … [Read the rest]

Bank of America Free Museum Tickets Nationwide 2022 Dates

The next eligible Museums on Us weekend is August 6th & 7th. Bank of America is running their Museums on Us program again for 2022, which offers debit and credit cardholders free admission to 225+ museums, science centers, and botanical gardens … [Read the rest]

Improving Your Everyday Negotiating Skills (Never Split The Difference Book Notes)

Initially, I viewed Never Split the Difference: Negotiating As If Your Life Depended On It by Chris Voss as a tactical financial book for specific situations: buying a car, negotiating a salary, buying a home, renegotiating rent, or any number of … [Read the rest]

US Bank $400 New Checking Account Bonus

US Bank has a $400 new checking promotion when you open a new Platinum, Gold or Easy U.S. Bank checking account with $25 minimum and complete the following: Enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your … [Read the rest]

S&P 500 Bear Market Time to Recovery? Average vs. Worst-Case Scenario

How long will this bear market last? What is the longest that the S&P 500 index number we always see on TV (which doesn't include dividends) stayed below its initial value? Here is an interesting chart "Probability of a lower S&P 500 by number of … [Read the rest]

Reader Question: Buying Individual Corporate Bonds on Secondary Market At 6% APY?

Here's a good question from reader Elizabeth in response to yesterday's post about buying Treasury bonds on the open secondary market: One thing I’m interested in is on that same table you shared - Corporate bonds rated BBB are around 6% for 5 … [Read the rest]

[Step-by-Step Guide] How To Buy Treasury Bonds on Secondary Market From Fidelity Brokerage

Here is quick walkthrough from buying a (roughly) 1-year Treasury bond on the secondary market via my Fidelity brokerage account. Please note that I am not a professional bond trader nor a tax professional, and I won't be able to cover every … [Read the rest]

Fidelity Youth Brokerage Account: Free $50 for Teens (13-17yo, No Deposit Required)

Fidelity Investments has a new $50 promotion for their Youth account for teens (aged 13-17). Parents must have their own open Fidelity account before opening a Youth account. After you open a new Youth Account and your teen downloads the Fidelity … [Read the rest]

Treasury Bond vs. Bank CD Rates: Adjusting For State and Local Income Taxes

If you are an individual investor that usually buys bank certificates of deposit, right now you may want to compare against a US Treasury bond of similar maturity. Treasury bond rates are traded constantly, but this Vanguard brokered CD page can … [Read the rest]

Sam’s Club New Membership Deal: $25 + $25 Off 1st Purchase of $25+

Groupon has brought back their Sam's Club membership deals, which come around a few times per year and offers a deeply-discounted membership. There are two options. The $25 option includes: 12-month Sam’s Club membership (retail … [Read the rest]