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Best Cash Back Credit Cards

I am a credit card person. Wherever possible, I use credit cards to pay for my purchases. To me, credit cards are my friend, not foe. The reasons for me to favor credit cards over debit cards or cash are twofold:

I know exactly where my money went,
I can get cash back for the money I […]

Online Bank Savings & Check Interest Rates

It has been more than four months since I last updated my little interest rates table. During this four-month period, the rate picture of online banks has changed a lot, going down 5% something to mostly in the neighbourhood of 3% APY, as the Fed cut interest rates every time they met. However, the latest […]

E-Trade Raise Rates on Complete Savings Account: Interest Rates Bottomed?

In a sign that interest rates may stop falling and start rising, E-Trade Financial sent me an email this afternoon with a surprising update: Start May 8, they will increase the interest rate of their Complete Savings Account from the current 3.01% APY to 3.15% APY, though the Fed has cut interest rates by another […]

First-Class Postage Going Up Again, Soon

Back in February, the U.S. Postal Service announced that the postage for one-ounce first-class mail will go up by 1 cent to 42 cents next Monday, May 12th, so does the price for a Forever stamp.
When the stamp was first introduced in 2007, I didn’t buy any extra other than the booklet of 20 when […]

Economic Stimulus Payment: Is It Taxable?

With the economic stimulus checks coming out earlier than originally scheduled, some may have already received their payments. Though I haven’t got my check yet (filed paper return on April 14th could mean a long delay), I did wonder whether I have to pay taxes for the “found money”. So I searched around a […]

Do You Budget?

If you do, then what’s the reason for you to budget?
I don’t and I don’t know whether that’s a problem for me or not.
There were several years in the 90s when I wrote every penny I spent in notebooks, not to better plan how to spend my money next month, but to know where […]

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