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Have you heard of Toyota IncomeDriver Notes? I was told about these notes by a reader, Rich, and I found that concept fascinating. I just got an email today from Toyota offering “Income Driver Notes”. 3.25% variable rate investment with as low as $500 deposit. With the rising interest rate environment, even places like Toyota financing are … Read more

On December 23, 2022, the House joined the Senate in passing a $1.7 trillion federal spending bill that President Biden will soon sign into law. A vast and sweeping spending package (as you’d expect with any omnibus appropriations bill), it includes everything from $45 billion of emergency assistance for Ukraine to a ban on TikTok … Read more

If you have spent time looking for a new bank or are sifting through Swagbucks offers to earn bonus points, you have undoubtedly seen multiple ads for online checking and savings accounts.  Many of these options are from “neobanks,” which offer banking services that can be cheaper and more innovative than a traditional bank. But what … Read more

Your 401(k) and IRA retirement plans are most likely your two largest (and most important) investment accounts. And as you inch closer to your target retirement date, you may want help managing your portfolio to ensure you have the ideal asset allocation. Blooom pioneered independent retirement portfolio reviews and automatic rebalancing. They helped subscribers optimize … Read more

It’s been over two and a half years since Trump first enacted a relief policy that hit the pause button on federal student loan bills and their accrual of interest. The White House’s latest update revealed that the deferment of student loan repayments has been extended once more, but that they’ll recommence at some point … Read more

Are you an accredited investor looking to add greater diversification to your portfolio and potentially get higher returns? If so, we’ve compiled a list of the ten best investment opportunities for accredited investors. Some are available to non-accredited investors, so read on even if you’re not yet accredited. The table below provides a summary of … Read more

Anytime you apply for a new credit product, the lender submits what’s known as a hard inquiry to the credit bureau. But too many hard inquiries can negatively impact your credit score. Unfortunately, the problem can be compounded by unauthorized or fraudulent hard inquiries. Thankfully, there is a way to have some hard inquiries removed … Read more

Over a long enough time horizon, the stock market goes up. That’s why it’s one of the best ways to build wealth – that’s why it’s the preferred investment for so many Americans. It makes up the bulk of my investments – a simple portfolio of index funds, the majority of which is invested in … Read more

You’ve probably noticed that banks have been paying much higher interest rates than anytime in the last decade or so. The last time we saw rates as high as today, it was back in the late 2000’s. Interest rates are so high in part because of the actions of the Federal Reserve. Specifically, the Federal … Read more

One of the more challenging aspects of the holiday season is finding the perfect gift ideas for our family members, co-workers, and friends. It can be even harder if you’re shopping on a budget. To aid you in your search and as a follow-up to our 50 Christmas Gift Ideas Under $25 post, here is … Read more