Disclaimer: I am not a financial advisor and this is not financial advice whatsoever. These are just my own opinions and personal preferences I am sharing.
I think I briefly mentioned here and there that I am into FIRE: Financial Independence Retire Early. I got exposed to this idea from the Mr. Money Mustache blog about 7 years ago. Summarizing, save as much as possible each month and invest it — e.g. 30, 40, 50 percent or more of your income.
The Wednesday Morning Weekly — September 25, 2024
I don’t personally own a Keurig but I do occasionally get free cups of coffee made by them when I visit my local credit union. I do appreciate the convenience of them for a quick cup of coffee. Discard the old K cup, pop in the new K cup, put the cup under and press start — done!
The K cups are quite pricey though and really adds up to a lot over the year. Also I personally find that the K cup coffee doesn’t taste any better than the instant coffee we buy at Walmart.
So I had this idea I shared with a good friend of mine who owns a Keurig, who buys K cups. In this article I share what he thought of it and some photos he snapped for this article. This perhaps saves one over $500 per year and doesn’t sacrifice any quality of life / convenience.
The Wednesday Morning Weekly — September 18, 2024
Disclaimer: I am not an estate planner. These are my personal opinions/ideas in this article, and was just wanting to share them with the community. Please consult with an estate planner for your personal needs.
In the bank account bonus hunting hobby, we open up many accounts. Sometimes we have large amounts of money in a few of these accounts to meet the requirements of the bonus. Or we have utility accounts, such as hubs, which we never plan to close; these accounts can have significant amounts in at any given time. Or we might have retirement accounts, both tax-sheltered and non-tax sheltered with large amounts in them as well.
I personally feel it is important to setup designated beneficiary/beneficiaries for every account possible if the accounts hold a significant amount of money. If you don’t set it up or the bank doesn’t offer it, when you die, it then goes to probate and the courts can decide when your beneficiary/beneficiaries get the money — which could take months or years, instead of a couple weeks.
Update 9/17/2024. I am told that Pepper is now coding as Computer Software again (MCC 5734) on Amex for 4x MR — we’ll see. Pepper is so up in the air. I won’t be surprised if this intermittently works with ABG in the future. And I am not sure if Pepper is even sustainable. But I’ll work it while it lasts! Can’t resist 12-16x cashback on Amazon, Walmart, Sam’s Club etc.
The following originally written on 9/15/2024:
Pepper is a great app for purchasing dozens of various popular eGift cards at great discounts — you also have immediate access to the gift card after purchasing it with no delays. At this time of writing, Pepper often has 10x discount boosts on Amazon, Walmart, Sam’s Club, etc. eGift cards.
We used to get 4x MR when purchasing a Pepper eGift card with Amex Business Gold. The following are some alternatives.
Both the Discover It and Chase Freedom Flex rotating categories are in for Q4 2024.
The following is my plan for Q4 2024 using my custom cashback strategy as described in my recent article: Introducing My 5%+ Custom Cashback Strategy.
Just received this in my mail box. I’ll probably do it! See image below.
One of my 90 day BluPeak CD’s matured a couple days ago. I was getting 4.25% APY and it just now renewed to a paltry 0.25%. It was time to close it out. A friend suggested to me that I didn’t need to call it in, that I could just make the request via Secure Message (SM). So I decided to try out this method instead of the usual call.
I was told by an online acquaintance that they were targeted by Bank of America for $750 elevated sign up bonuses for both their Business Unlimited Cash (BUC) & Business Customized Cash (BCC) credit cards.
The normal sign up bonus is $300 a piece. The “elevated” offer many of us know about is $500 a piece. This $750 offer is total news to me!
Previously this deal expired on 9/9/2024. It has been extended to 10/31/24.
Deposit $25k with 30 days of opening and maintain from days 31-90. Bonus posts after 14 days after completion. Assuming one transfers in 5 days before the end of the 30 day period and withdraws it 14 days after the 60 day maintenance period, this results in an effective APY of 14.6%.
See Profitable Content and DoC for more details.
Update 9/11/24: I was recently approved for this account. I’ll be investing $20k for 75 days for $1,000 SUB which results in an effective APY of 26.8%. See end of article in the Updates section for more details.
The Wednesday Morning Weekly — July 10, 2024
Normally I write an in depth article for the weekly Wednesday morning post, but haven’t been feeling that well the past several days. So instead, today I’ll share this incredible deal I just now found from Danny the Deal Guru’s web site.
