TL;DR Why keep so much cash? $50,000 is a lot of money, but could be the right number for a emergency cushion if you have a household annual spend of $100,000+. This means 6 months of highly liquid funds for emergencies. Some guidance from investment professionals here. Is it worth the effort? $25 sign upContinue reading “Pennies add up: high(er) yielding cash deposits”
Author Archives: warrenslist
Show me the (almost free) money: Auto Loan from DCU
TL;DR As of March 29, 1.74% for EVs and 1.99% for non-EVs with Digital Federal Credit Union (DCU) Same great rates for new car loan and refi Easy to become a member with a one time $10 donation (or more) Best rates if you’re willing to move your direct deposit over to them Referral bonusContinue reading “Show me the (almost free) money: Auto Loan from DCU”
Show me the money: $700 from Citi
TL;DR $700 if you have $50,000 / $300 if you have $10,000 to keep with Citi for 60 days $1,500 if you have $200,000 to keep with Citi for 60 days (not for most people) Savings earns 0.5% APY on the cash (among the best as of March 2021) – Citi Accelerate savings – availableContinue reading “Show me the money: $700 from Citi”
Battle of the Baby Bottle Brushes: Oxo vs Boon
TL;DR Boon Bottle Brush isn’t the best selling, but I think it’s the best Key is the design which lets all of the brushes dry independently. Bonus is 4 brush types and 3 styles (including brand new Modern style!) Munchkin and OXO have the nipple brush is stored inside the handle, which makes it harderContinue reading “Battle of the Baby Bottle Brushes: Oxo vs Boon”
Morning JOLT: Game changing grind and Brew coffee machine
TL;DR I used to live in an NYC apartment which was directly connected to a Starbucks COVID life in Texas meant I needed a commute free solution – both a French Press and Brew were too messy (the grinds really) $59.99 BLACK+DECKER 12-Cup Mill and Brew Coffeemaker, Black, CM5000B is a winner! Less than 90Continue reading “Morning JOLT: Game changing grind and Brew coffee machine”
Listen for it: 20-30% Sonos savings / discounts
TL;DR Sonos is a fantastic product for getting the whole home connected, but hard to find on sale / discounts / coupons 15% – find a student friend in your network, Sonos has a student program! 25% – Amazon Warehouse offers another awesome alternative for open box items Don’t forget to get your cashback –Continue reading “Listen for it: 20-30% Sonos savings / discounts”
Take a seat: great budget office chair for $150
TL;DR I’ve been fortunate to have had fancy chairs at work (e.g. Herman Miller Aeron) and wanted something much more affordable for the home office I find the WorkPro® 1000 Series Mesh Mid-Back Task Chair looks pretty good and works just as well for me for $150 (almost always on sale, never actually sells forContinue reading “Take a seat: great budget office chair for $150”
Monetize your credit score: playing the credit card game
TL;DR Your credit score, above a certain number is a vanity metric and WAY better to get a card every few months A portfolio of credit cards offers 100%+ returns in benefits and features versus time spent and annual fees Three main categories I keep: Ultra-premium: $500+ in annual fees, but awesome benefits Hotel cards:Continue reading “Monetize your credit score: playing the credit card game”
Make $2,340 per hour: how to get a couple sign on bonuses and 5% off everything at Target + Amazon
TL;DR This is really for the peoples who shop a lot at Target and/or Amazon (with Prime membership) Sign up for the right cards and you can earn 5% off everything you buy at Target and Amazon, including Whole Foods <5 minutes to apply for each card Amazon Prime Visa card has a $100 signContinue reading “Make $2,340 per hour: how to get a couple sign on bonuses and 5% off everything at Target + Amazon”
Tetris is a life skill: packing for a cross country move
TL;DR EVERYTHING should be packed in a box when moving Buying boxes will save time and money Home Depot / Lowes are great for standard size boxes and you will need a few Heavy Duty boxes U-Haul is great for specialty boxes, but not standard size (too weak) Make you own boxes for funny shapedContinue reading “Tetris is a life skill: packing for a cross country move”
