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Buy nothing and starbucks Buynothing (now called give freely) is amazing. But since it isn’t a good deal at a retail place like the OP said, mine is Starbucks. I wait for the star runs that give 1 free drink (50 stars) per two orders. I order the medium (grande) in their reusable cups which...

Tbills = no coupon Maybe it is semantics but T-Bills are Treasury Issuance 1 year or less in maturity and have no coupon attached to it. They are issues at a discount and that discount (discount price) is used to calculate the yield you would get on the T-Bill. For the sake of being very...

It’s the universal law of reciprocation. See the books by Robert Cialdini titled “pre-suasion” and “influence”. It is human nature across all cultures to reciprocate a gift, no matter how insignificant the initial gift may be so we do not feel indebted. I highly recommend the books and to...

Thank you! Wondering when someone would post how the official numbers are calculated from the source rather than people saying things that are untrue and just anecdotal. I one says the government inflation stats are your personal inflation. You want to know your own, track your spending...

My 10 cents and experience: I listened to the economists back in 2013-2015 that said btc would be worth nothing in 5 years. Many of them still think that. Fortunately for my wealth, a few very good friends of mine convinced me to put a small amount in and I started with just 0.1% in 2018 and...

Thank You! Gumby! Thank you! I was waiting for someone to reply that x% efficacy doesn’t mean you odds of catching covid are 1-x% when vaccinated. That’s part of the problem with people in this world arguing back and forth and spreading numbers but not actually understanding how to interpret...

How did you get $600 in travel credit? I know it is $300 in credits per year (unless you are counting this year as $300 and next year as $300 and cancel before the annual fee is charged next year?). But I agree, the Chase Reserve card is great. $450 fee but subtract out $1000 sign-up bonus...