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Gold as a Hedge Against Bonds During Low Interest Rates

Perhaps it is because I somehow ended up buying $5,000 in gold coins a couple weeks ago, but I've been doing some reading about gold again. The stock market is at higher and higher valuations, while the Fed promises that interest rates will stay … [Read the rest]

Free Krispy Kreme Donut Every Day in 2021 w/ Vaccine Card

Krispy Kreme is giving away a free Original Glazed doughnut if you show them your COVID-19 vaccination card. This is valid once a day, every day for the rest of 2021! Valid in-store or drive-thru in participating US locations. No purchase … [Read the rest]

ZYNLO Bank Review: 1.25% APY (No Longer Available To New Signups), 100% Match on Roundups

Update: As of 4/8/21, the ZYNLO website now lists their money market as "no longer available", although the rate is still 1.25% APY if you opened it in time. The savings account pays 0.80% APY and still includes the roundups. There is a new … [Read the rest]

Happiness Test Questions? The Components of Happiness and Well-Being

As part of the first week of The Science of Well Being (AKA the "Yale happiness" class), I was assigned two psychological surveys meant to measure my baseline happiness: PERMA Profiler (Positive emotion, Engagement, Relationships, Meaning, and … [Read the rest]

Free Practical Course To Improve Your Happiness from Yale University

Want to take a free online class together with me (and 3.3 million other people)? The NYT had a nice profile of the free online course The Science of Well-Being offered by Yale University on Coursera. (It was the most popular class ever taught at … [Read the rest]

TIPS Inflation Bonds Performance: Breakeven vs. Actual Inflation Rates

I own inflation-linked bonds as part of my investment portfolio. Specifically, Treasury Inflation-Protected Securities (TIPS) make up about 1/3rd of the bond portion, or 10% of my total portfolio. I go into more detail in my post Reasons To Own … [Read the rest]

Neighborhood Nosh Review: Up to 10% Back at Participating Restaurants

Neighborhood Nosh (formerly iDine) is a promotional service allows you to earn cash back when you dine at participating restaurants and pay with your linked credit card. You may already be familiar with using Rewards Network to earn airline and … [Read the rest]

American Rescue Plan Act of 2021: New 3rd Stimulus Chart, Child-Related Tax Credits, COBRA, Dependent Care FSA Limits

The American Rescue Plan Act of 2021 became effective March 11th, 2021 and there is a lot to unpack in the $1.9 trillion economic stimulus bill. Besides the headline $1,400 stimulus checks, there are many other items that could be worth over a … [Read the rest]

Lesser-Known Cheap Basic Prepaid Cell Phone Plans on Every Network – Starting Under $10 a Month

(Updated 2021. T-Mobile absorbed Sprint, so no more Sprint MVNOs. Tello is now a T-Mobile MVNO, but is still quite affordable. Ting Mobile has new flexible plans that work well for occasional data users, and you can now choose from either the … [Read the rest]

PFS Buyers Club: US Mint Coin Purchase Opportunity ($100 + $200 Guaranteed Profit)

(Update: The 3/11 opportunity is no longer available. You can still sign up for an account and be alerted of the next opportunity roughly 48 hours prior. They seem to pop up every 3-6 months.) The US Mint regularly releases limited-edition … [Read the rest]

The Sweaty Startup: Think Small and Do NOT Pursue Your Passion

How's this for a different path to entrepreneurship: Don't have fun. Don't pursue your passion. Don't try to change the world. This Medium article profiles Nick Huber, founder of The Sweaty Startup is basically the opposite of the Silicon Valley … [Read the rest]

Best Interest Rates on Cash – March 2021

Here's my monthly roundup of the best interest rates on "safe" cash as of March 2021, roughly sorted from shortest to longest maturities. I keep 12 months of expenses as part of my semi-retirement cashflow planning, and there are many lesser-known … [Read the rest]