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An old friend called me the other day and while catching up, we got onto the subject of investing. With all the uncertainty in the world, with artificial intelligence and large language models constantly evolving, and with market valuations as high as they are… what’s an investor to do? Where should we be putting our […]

Looking for something fun to do that doesn’t cost a dime? Whether you’re saving money, bored on the weekend, or just want to make the most of your free time, there are plenty of ways to enjoy life without spending a cent. Grab some friends—or go solo—and start making memories that don’t come with a

Gold has been in the news a lot since it’s shot up over 50% in value this year to the lofty price of over $4,000 an ounce. It was already big news when Costco started selling gold a few years ago, the recent run up in price has only made it even more popular. But

PFS Buyer Club is an organization that helps source in-demand items from their army of buyers. I’m one of those buyers. There’s no membership fee or anything to join the club, you just get in. If you want an invite, email me and I can get you one. And from time to time, PFS Buyer

If you use just a couple of credit cards, it’s easy to remember the best one to use and when. But if you have more than a few, juggling them can be challenging. Also, as card benefits are constantly being added and removed, changing with limited time promotions, keeping track of what is best becomes

The retirement account landscape seems like a mish mash of acronyms – 401(k), IRA, HSA, etc. If you’re new to this, as I was when I first started working, it can be overwhelming. Fortunately, there is an order of operations when it comes to saving for retirement. And it’s an order that works for everyone,

Our kids’ school sent out a list of summer reading programs that we’ll look to get our kids involved in. It’s great that so many books stores and organizations are getting in on the action that was once the domain of Pizza Hut and their Book It program! (and if you happen to live in

I haven’t paid an ATM fee in ages because I use an Ally Bank checking account. They will reimburse me $10 per statement cycle on fees charged by another bank when I use their ATM. They also have a partnership with Allpoint and MoneyPass so I can access my cash through those networks without paying

Planning for the future isn’t just about your finances; it’s about peace of mind for you and your loved ones. Whether you’re already retired or just thinking ahead, a well-prepared estate plan ensures your wishes are honored, your assets are protected, and your family isn’t left scrambling. Don’t leave important decisions to chance. Instead, take

This is how the travel hacking world works in a nutshell: Get a credit card with a huge welcome bonus Scour reward ticket calendars for amazing deals, which are often last minute Take advatange of transfer bonuses to get extra points And the hard part of all this, beyond the spending, is that it requires

I love participating in loyalty and reward programs. They’re almost always free, gets you free “stuff,” and there’s really no downside. The only risk is that you overspend, which I’m not prone to do. And if you don’t participate, you invisibly subsidizing the folks who do. It’s like not using a rewards credit card, you

Derek Sivers famously once said “If [more] information was the answer, then we’d all be billionaires with perfect abs.” But that’s not human beings work. It’s usually not about information but human behavior. And our lizard brains, as much as we don’t like to admit it, are in control. And that’s the big reason why

One Finance recently rebranded to OnePay and are now offering a $125 cash bonus through Rakuten. OnePay is a fintech company that works with Coastal Community Bank and Lead Bank (both Member FDIC) to offer banking services. They offer OnePay Cash, which comes with a debit card that offers cash back, no monthly fees, and

I’ve been a huge fan of Southwest Airlines for decades. I live near BWI Airport and fly Southwest for almost all my flights. In the last ten years, I’ve probably flown on another airline fewer than once a year. Their recent business decisions, mostly pushed by the hands of Elliott Investment Management, have made me

When each of our kids were born, we started a 529 plan for them. And while our kids are brilliant and beautiful, you never know if they’ll all go to college. And it’s a lot of money to have invested in an educational account if your kids won’t be using it. Now, given that we

If you are paying for multiple streaming services individually, you may be paying too much. Streaming services are now bundling (ironic, as they started as alternatives to cable) so you can save money by combining streaming services rather than paying for them a la carte. The “best” bundles are the ones being offered as add-ons