What are the best financial accounts and tools available?
As a personal finance blogger, it’s my responsibility to keep up-to-date on the latest in the financial industry. Whose advice is worth heeding? (And whose advice sucks?) What are the current tax rates? Where’s the best place to save for the future?
In the Olden Days, it wasn’t tough for me to stay informed. I paid attention. I read books and magazines and blogs. PR agencies sent me buckets of email. Plus, GRS readers constantly sent me tips and recommendations.
But I’ve essentially taken the past couple of years off from the world of personal finance. I’m out of touch. I no longer know which credit cards are best, where I ought to have my savings, or how to best track my investments.
That’ll change in time, of course, but I’m hoping the collective brainpower of the Get Rich Slowly community can give me — and other readers — a sort of crash course on the current state of the financial union.
Savings Accounts
Let’s start with that old favorite, the online savings account. When I first started this blog, savings rates were respectable. Online banks offered yields of five and six percent, and it was fun to find hidden gems.
Nowadays, the landscape’s very different. Things have looked bleak for savers since the market crash five years ago. My savings is still in the ING Direct account I started in 2008. (Except it’s not ING Direct anymore, is it? It’s Capital One 360!)
I used to have several targeted savings accounts at ING; today, I have only two. I carry a more-than-adequate $5000 emergency fund. Plus, Kim and I have a shared “Dream Fund” that currently has a balance of $22,273.07.
Sidebar: Kim and I aren’t sure how we’ll use this Dream Fund. Most of the time, we say it’s for our “beach house” — a hypothetical second home in a warm-weather climate. But maybe we’ll use it for an RV. Or to fund a year of travel around the world. Who knows? Right now, it’s a place for us to dump our windfalls. When I sold my comics (about which more soon), for instance, this is where I stashed the cash. When we turn in our change jars, that money goes here too.
So, tell me: What’s the best place to save nowadays?
Credit Cards
I’m also out of the loop on credit cards.
When I first started Get Rich Slowly, I was anti-credit card. With time, though, both Kris (my ex-wife) and you the readers helped me to see that credit cards aren’t necessarily evil. They can be dangerous, sure, but so can a chainsaw. Just as you’d treat a chainsaw with respect, you need to treat credit cards with respect. And used carefully, they can even be a valuable tool.
Based on your advice, in 2007 I picked up a Capital One No-Hassle Cash Rewards card. That’s still my main card for personal expenses. (I also have a Chase card that earns British Airways miles — documented here — and two cards for business, including a Costo Amex card.)
At gatherings of personal finance bloggers, I’ve heard my colleagues chatting about new, improved cards. What are they? What do financially savvy folk keep in their wallets in 2013?
Apps
Next, I’d like to know what sorts of apps people are using to track their money.
I’m still stuck in the stone-age, or so it seems. I’ve been using Quicken for almost two decades, warts and all. Like most folks, I loathe the most recent Mac versions (WTF, Intuit?), so I cling to Quicken 2007 — a seven-year-old desktop app. Sure, parts of it have been “sunsetted” (WTF, Intuit?), but otherwise it does the job.
I’ve never found a web-based app that works for me. I was a fan of Wesabe before it went under. I’ve tried Mint, but it doesn’t work for me. It chokes on my Fidelity investment accounts.
The only other money app I use is a tool called Personal Capital, which is available for iOS devices like the iPhone and the iPad. (There’s also a web version.) I haven’t used Personal Capital for account management; I use it only to see all of my accounts in one place. I like it. If it would sync with my credit union, I’d love it. (Maybe I should do a review…)
Tom recently reviewed a bunch of investment apps. What about you? What sorts of financial apps are you using, whether on the desktop, web, or mobile device?
Books
Lastly, I’ve also let my personal finance reading decline. That’s a shame because I receive constant requests for book recommendations.
Because good financial advice never gets old, I don’t mind suggesting old favorites like Debt is Slavery, The Four Pillars of Investing, and Your Money or Your Life. But it’d be nice to have some modern weapons in my arsenal.
I know two of my colleagues recently published books: Jeff Rose wrote Soldier of Finance and Carrie Rocha wrote Pocket Your Dollars. Plus, I’ve received some other books in the mail, including The Story of Rich, The Power of Passive Investing, and All The Money in the World.
But what books have you been reading? Which do you recommend? Which were disappointing?
Sidebar: Blogs? Like everyone else, I’m a fan of Mr. Money Mustache. (In fact, Pete and I will be seated next to each other on a flight to Ecuador later today.) Plus, I really like Paula Pant’s Afford Anything. What else should I be reading?
So, that’s it.
I, your humble guide, am requesting help. Give me a crash course in what’s current. Tell me what I’ve missed over the past two years. Help me rediscover the modern world of personal finance.
Become A Money Boss And Join 15,000 Others
Subscribe to the GRS Insider (FREE) and we’ll give you a copy of the Money Boss Manifesto (also FREE)
There are 49 comments to "What are the best financial accounts and tools available?".
For savings, I too use Capital One 360. It’s free and a breeze to use!
For credit cards, I just use my Amex Gold Card. My fiance and I are using our points to pay for the majority of our honeymoon. Once that is taken care of, I might look into a cash rewards card instead.
Apps – I’m a huge fan of Personal Capital. I feel it is more geared towards investing however. I love this fact but don’t think everyone is. For those that aren’t I like Power Wallet. It’s basically like Mint, but for me, it actually syncs all of my accounts.
Books – I enjoy many of the ones you mention as well as Paul Merriman “Live It Up Without Outliving Your Money”. It’s a quick easy read for setting up an investment portfolio.
Blogs – Free Money Finance is a good site. And I’d have to mention MoneySmartGuides, which is my site!
One of the things I like the most about Capital One 360 (formerly known as ING Direct) is that I can create multiple savings accounts under my name within minutes and fund them immediately. It makes it much easier to manage savings goals when I can segregate funds for vacations, auto maintenance, loan payments, etc into separate accounts. This makes tracking the goal progress in Mint much easier plus it removes the danger of accidentally spending money that was already allocated for something else. Also when creating one of these sub accounts you can make it a joint account with another 360 user while the rest of your money stays separate. More banks should be like this.
Thank you for the article and to all for the interesting comments. One of the most unique programs out there is called ‘Getting on the Map’. It’s very high quality 4+hours (broken up into 15 short chapters) DVD of classroom and one on one instruction. People are taught how to gather, organize and understand their personal finances. People become much better stewards of their money. They will discover many areas that can be tweaked or eliminated resulting in spending much less month after month. These savings can total thousands of dollars annually. Find out more at prosperitytraining.com
NEFCU Go Green Checking at 2.5 percent. Yes it’s a credit union but I think many of the credit unions in their big “Credit Union family” offer this. There are caches but it would cover your 22k fund well.
I almost disagree with the whole savings thing. It might be an okay thing to do if you’re holding a lump sum of money but I prefer the approach to invest it into an asset that outpaces inflation instead.
For apps I use my bank’s and a spending tracker called Wally (free). You can group expenses by category (food and drinks) and subcategory (takeaway coffee) and also use aspects to see if they were basic, personal, work or vacation expenses. It lets you review the data in a myriad of different ways. Do check it out.
Savings Account
After trying to search out the best deals for our savings account (credit unions from around the country offering a high rate like 4% on the first $10k in an account), we decided to stop because the banks always changed their policies for the worse, making the hassle not worth it. We now bank with a local bank where we actually get the best interest rate I’ve seen. It’s an overall 1.05% right now on our account, but it’s staggered (something like 2.5% on the first $25k and then .75% or something on the rest…I don’t keep up to date on the exact breakdown). And it has all the benefits of being a local bank (great service, nearby locations), but isn’t the most technologically savvy (no deposited checks by smartphone, or even via ATM). It does have online billpay, however.
Credit Cards
-I’ve done a little bit of credit card churning, but going overboard on the lifestyle is not for me. Signing up for two Southwest cards (1 business, 1 personal) for 50k miles each will get you close to a Companion Pass. If you get a total of 110k miles then you qualify. Whenever one person flies (using miles or money), they can have their designated companion fly for about $5. Designated companions can be changed a couple of times. The CP is good until 12/31 of the year after you earn it, so if you earn it in January 2014 then it will be good until December 2015.
-But I’m now leaning back towards using credit cards for cash back. What’s in my wallet?
Capital One Quicksilver (1.5% back on everything)
Discover: 5% back on rotating categories (right now it’s gas, next quarter it’s online shopping)
AMEX Blue Cash: 3% on groceries, 2% on gas and department stores, 1% on everything else
Sapphire Preferred: 2% on travel & dining. This is the only one with an annual fee, and I’m probably going to drop it (maybe for the Costco AMEX which has the same percentages back on these categories…or maybe I’ll just give up 0.5% and simplify with the Capital One). If you spend a lot on here though, it can transfer to other airline or hotel mileage/points programs.
Apps
YNAB all the way. It has different categories (so you don’t need different accounts for all your savings goals…just keep track of how much money each goal has inn YNAB. And there’s both an Apple and Android app for the phone so you can type in your purchases while on the go and it will sync with the computer version using the Cloud (or use it to check your category balances to see if you have enough budgeted in that area to make a purchase).
Savings Accounts – We’re with Ally, though the rates recently dropped and I think are about 0.84%, albeit with no minimum balance and we’ve never been charged a fee.
Credit Cards – We’re strictly cash back rewards cards with no fees. Discover It, Chase Freedom, and AmEx Blue Cash Everyday. A lot of our travel gets paid for by work, so miles programs etc are just frustrating for us.
Apps – I actually dislike personal capital so far. Biggest pet peeve – the weekly updates on how much my portfolio is up or down. It makes it much harder to turn a willfully blind eye and let passive index funds be doing the work for you when you’re being poked with weekly emails telling you your portfolio is down.
I love mint and would suggest you give it another try. If you don’t like the way it handles your brokerage accounts, don’t link those accounts. But it’s a great way for syncing spending and savings goals with another person on the go and there’s a huge value in knowing our historical spending going back to 2007.
Saving Account: Captial One 360
Credit Cards: Captial One No Hassle Cash Back 2% Gas & Grocery, 1% Everything Else
Apps: YNAB!!!!!!!!!!! It blows everything else out of the water, hands down. Awareness produces change.
My wife and I keep our savings accounts with EverBank and Ally Bank. At the time of my research, they offered fairly competitive rates (though still nowhere near as high as they used to be industry wide).
On to apps…+1 on the YNAB recommendations. We’re light-years ahead of where we used to be in terms of our financial consciousness. One of the best things about YNAB, and it’s a bit counterintuitive to some, is that it doesn’t automatically download transactions from your bank and credit card accounts. You enter your transactions manually, which immediately makes you more aware of your spending habits. We used to use Quicken, but by the time I got around to reviewing where our money was going, the damage was already done. With YNAB you become a lot more forward thinking.
Plus, it’s more than software…it’s a method; learn more about the four rules at YNAB.com. (And no, I’m not being paid for this endorsement. This is genuine enthusiasm on my part ;))
We started our mattirage using a combination of Excel & Microsoft Money, which was clunky and still didn’t work perfectly for us. Then we discovered the wonderful world of YNAB (ok technically my husband had to talk change-averse me into it) and things have gone fantastically ever since!
For savings, overflow checking, and CD’s, I use Ally. It’s currently .84% for savings, and 1.05 for raise your rate 2-year CD.
I used to have ING but the rates bombed after it became Cap 1 360. I recently got a Venture One card trough Cap 1 because I plan on traveling often in the shorterm and the miles rewards are a slightly better value than the cash-back cards I have.
I don’t have experience with apps b/c I’ve never owned a smartphone, but I am interested in using online budgeting tools, so I’ll be reading the comments closely for tips.
Great post and comments. I’m still using excel to track my budget and need to upgrade my tools as I work on my debt repayment.
So you sold your comic books? I remmeber you talking about that before! You were having a tough time though because it’s your collection! Congrats on that man.
I’m a big fan of Smarty Pig for savings. You can set up different “goals” and allocate your savings across them. When you’re ready to cash in, you can increase your cash through a rewards program or just take out your cash + interest.
APPS: There is a free app called Easy Envelope Budget Aid (EEBA) that I really like. It is pretty simple – it allows you to put in your income and then open as many virtual “envelopes” as you want. As you make payments you record it in the envelope and the bar graph diminishes by that amount so you can see what you have left in that category. The best part is that it sync’s between phones so my husband can pay for something, enter it in, and it diminishes what’s left in that joint envelope for both of us. Pretty slick.
It isn’t the highest paying, but we go with USAA for our savings as their service is top notch.
For credit cards, we’ve started a bit of churning ourselves. We’ve earned enough to pay for FinCon travel and a trip for my Birthday in January. Chase Preferred is our main card and have churned the Southwest Rapid Rewards card and Barclaycard amongst others.
I wholeheartedly recommend Simple bank for savings (and checking!). It’s a new bank backed by Bancorp (FDIC insured). Simple is great because it doesn’t require you to set up separate accounts just to separate your money.
In my savings account, I have a $5000 emergency fund. I simply dragged $5000 of my money to a box that I named “Emergency fund”. I also have a vacation coming up, so I told simple I want another box that will save $1000 over the next 6 months. I can drag my money around into different ‘sub accounts’ and the save-over-time feature is great for taking a few dollars a day from your main account.
The result? Simple offers a system MUCH more nimble than the old “have one emergency savings account, one fun account, etc”. And seeing how your money is divided on a page gives you an excellent snapshot of your finances.
Personal capital rocks! Check out the 401k fee analyzer – its super helpful. And the site allows you to check your overall allocations.
I read this article recently about the highest interest rate accounts out there. It’s the best I have seen on the subject.
http://moneystreetsmart.com/best-high-interest-savings-account/?utm_source=rss&utm_medium=rss&utm_campaign=best-high-interest-savings-account
Apps: I’ve beem using Money Dance for Mac, and I’ve been happy with it. Quicken was the only reason that I was still using my old desktop PC, and when they deactivated their direct connect because my copy was too old I decided to find a Mac alternative. I like Money Dance much better than Quicken.
Credit cards: you have to pick a good match for our spending patterns. We have the following (all cash back)
Amex Blue Cash Preferred: 6% on groceries (up to 6K a year), 3% on gas
Pricline Barclaycard: 2% on everything
Chase Amazon: 3% on Amazon purchases
Books: mostly from the Begleheads: “All About Asset Allocation”, “The Bogleheads Guide to Investing”, “The Bogleheads Guide to Retirement Planning”. And I am frequenting their forum http://www.bogleheads.org/forum/index.php
Savings account: Barclays savings account at .90%
Credit card: Amex blue cash preferred: 6% groceries and 3% gas with $75 annual fee.
I know you didn’t ask for investment vehicles, but check out Lending Club. Peer to peer lending with at least %5-%6 annual return (that’s on the safest end). It’s basically investing in bonds where the borrower is actual people like you and me.
It’s so very easy to get out-of-date on the latest and greatest in the personal finance arena. Fortunately, there are sites like GRS that help with that! I like the idea of asking readers – it’ll be interesting to see the collective responses.
BOOKS: While not specifically about personal finance, I just read The Power of Habit, and it had me thinking A LOT about my spending/finance habits. I highly recommend it.
For apps, we use YNAB for budgeting, Check to keep track of bills and when they are due, and CreditKarma.com to kee track of our credit scores. These three tools have changed our lives in less than 2 months!
I LOVE mvelopes.com as a way of tracking bank accounts and savings and spending. It idoes have a fee but have found it so helpful I just signed up for a lifetime membership. They have good customer support if you have application problems or questions. You can run reports, create a budget, and reconcile deposits and spending in real time. It has revolutionized our family’s finances.
Side question — have you and Kim discussed how to handle that account if you break up? So many people have been burned by shared assets outside of marriage or contractual obligation. Do you have any sort of agreement or plan in place? I assume you both have access to that account, so theoretically one of you could empty it at any time. Some of the most interesting posts at GRS are about relationships — if it’s something you’d be comfortable sharing, I for one would be interested.
You are a very smart person so I assume you have a plan in place, but I also know how the heart can override the head in these matters. Your relationship is still relatively new so it would be really interesting to hear how you guys generally talk about money, the future, etc. (Again, I realize one or both of you might not be willing to share, but thought I’d ask!)
Of the books I have reviewed, I thought More Money, Please by Scott Gamm was the best. Though I don’t think you’re the audience he is aiming for!
I will be reviewing Soldier of Finance next! I’m excited about it, it’s in my desk drawer right now waiting for lunch hour. I even postponed starting the Mortal Instruments books for it 😉
For finance apps, YNAB (You Need A Budget) is really good. Better than what I remember from Quicken.
For software, I’ll give a plug for Fidelity Full View, since you already have accounts with them. It is free and the dashboard is useful. That said, I’m still feeling out their latest update and am a little less impressed with their reporting features compared to what they had before.
Savings – Haven’t moved from ING/Capital One 360. It still links to my Sharebuilder account and makes investments easy. It’s tough to beat $4 per trade.
Credit Cards – I’m a churner, whole hog. It takes some effort, but so far it has provided flights for a two week European vacation and flights and a week of hotels in Tokyo – probably $6-7000 in value. We still have enough points sitting around or coming in for another round or two of flights anywhere in the world and at least a week of hotel stays.
When I don’t have a bonus spend to meet, I use a Chase Sapphire Preferred, Freedom, and Ink Bold (soon to become an Ink Classic when the fee hits) to rack up as many Ultimate rewards points as possible. I also keep an Amex SPG business card for Costco runs and have some form of Platinum card in the drawer for the perks.
I’ll be upgrading a Business Gold Rewards card to the Business Platinum in January (25k points and $400 in airline credits) and cancelling a Personal Platinum. While it can be hard to swallow the fees of the Amex cards, I think the benefits – airline credits, lounge access, bonus points, etc. – provide enough offset IF you take advantage of them. We’ll get $600 of value out of the personal Platinum via airline credits and Global Entry reimbursement alone, more than enough to offset the fee.
No other provider offers a suite of cards that can match Chase or Amex.
Apps – Mint works for me, but I’ve also started using Manilla to organize things. Sigfig is an interesting one for tracking investment accounts.
Books – Who has time to read those?
There is another similarly titled book that I am currently reading – Your Money and Your Life: A Lifetime Approach to Money Management by Robert Aliber(Author).
Some of the chapters on Social Security(and the convoluted ways they calculate your benefits) and Retirement are quite good, but you have to really pay attention.
Love your analogy of credit cards and chain saws. Will have to remember that when talking to the kids about credit cards.
I love that one too and have quoted it a few times.
Other than my emergency fund, I use Smartypig for savings. I agree with you on Afford Anything, I really look forward to Paula’s posts!
I love the Chase freedom credit card, it has rotating 5% cash back on different categories (gas, groceries) every quarter. I’m currently looking for a good international travel card, without foreign transaction fees. I’m thinking about getting the Capital One VentureOne card for this purpose.
Mint — I’ve had the same issue with my Fidelity accounts not syncing, and I’ve basically stopped using Mint because of it. Instead, I’ve been tracking my account balances/net worth in a Google spreadsheet. I’m going to try out Personal Capital.
Wondering what others recommend for investing? I have Fidelity and ADP for my 401k and Roth, but what do others use for personal, non-retirement investing (in lieu of a savings fund)?
I actually like Quicken for Mac. (I’ve been using Quicken since it first came out and I ran my biz on Quickbooks)
I like that I can enter all my monthly bills once and discretionary budgets so I can actually see cash flow out 3 months. If I need to tweak it I can make small changes to line items and the cash flow will cascade. I’m very visual so it helps me see that while there may be $10K in checking today, for example, it’s all spoken for already!
,
As for savings, I have everything deducted automatically from our checks so 10% goes to 401(k) (the max annual limit) with 100% matching, 10% goes to employee stock purchase, 10% goes to emergency fund, 10% goes to eTrade to invest and the rest is bills/mortgage/household/living.
I use USAA for banking, they have a great all around service and convenience for an online bank, even though they have not quite top tier interest rates. Credits cards – Chase Freedom, or Discover rewards cards, not much to say about those. And I would just say that I love Mint, it connects with all of our accounts and the Trends, Transactions, Goals, and general overview are great. It is definitely worth another look if you haven’t tried recently because they are always adding more account support. Some of our accounts used to have weekly updating issues, but it’s been smooth for quite a while now. The one thing they need to do is revamp their investment tracking, because Personal Capital is whooping their butts and the Mint investment tracking is just about useless.
I still swear by CalendarBudget.com for knowing exactly where my money is at all times (and predicting account balances based on projected inflows/outflows).
As for books, I recently read “Cash-Rich Retirement” by Jim Schlagheck … I believe that it is geared toward a more advanced stage of personal finance so it gave some new ideas/perspectives rather than the same run-of-the-mill advice that you otherwise tend to hear everywhere.
I use Smarty Pig for targeted savings. My credit union offers dividend rewards checking to I keep $10K there to get the max interest.
Like you, I still use an old version of Quicken. Works for me so why spend the money to update the software or the time to research something to replace it. Don’t have a smart phone so no apps for me. I tried Mint once, but it didn’t work well for me.
I started using a Southwest card for the miles and bonus miles, but then Southwest quit direct flights to the places I go the most often. So I got an Alaska Airlines card because now they’re the only direct flights to see my kids. And I use Capital One and Chase Freedom, especially when Chase offer more cash back per quarter for specific uses/places. When we needed to buy a refrigerator and dishwasher, I bought them at Lowe’s with the Chase Freedom because that quarter we earned more cash back at Lowe’s. Luckily, Lowe’s was the cheapest price on the models I wanted. And the Lowe’s guy taking my order had horrible problems with the computer so I got $100 more off for my time (an extra 15 min. on the phone). He was a nice guy, it wasn’t his fault, and I was watching TV with my phone on speaker mode so it wasn’t a big deal to me.
Cards: I have not seen this mentioned in prior posts. Penfed.org has a good value visa cash rewards card that is giving you a good saving on gas. 5% on your statement. Will work if you buy gas at a club or station. For other purchases the rebate is less than 1%. The 5% is deducted from the statement gross billing and you pay the remaining 95%. Another nice feature is the ability to auto-pay the amount using a linked external account so that you do not need to do a funds transfer into penfed each month or an internal transfer monthly. I have just started using personal capital and enjoy using the site and data more than mint. If you are a cc churner take a peek at deposit accounts.com.
Penfed is reducing the percentage back to 3% for gas. It’s also adding a $25 annual fee. I think you can still get 5% with no annual fee if you have a mortgage or line of credit with a balance, or a checking account with direct deposit.
Penfed just send me a memo that their 5% back gas card (Cash Rewards) will have a $25 annual fee starting next month (October 26, 2013). This is not yet noted on their site as it still lists the card for $0.00 annual fee, but during a quick phone call to them today, they saud as of Oct 26, this will be a charge.
Dear JD, GRS Community;
Here’s my 2 cents – I subscribe to several E-newsletter sources. One of them is Money Management International, which is one of the more established Consumer Credit Counseling Service groups in the U.S.
I received a newsletter with a link to an article called How Finances Affect Problem Solving.
It discusses how people who worry constantly about money and financial concerns (like Yours Truly) have the same reduced mental capacity as someone who has just stayed up all night. Which means that the worrying
keeps you from solving the problems which started you worrying in the first place. Sounds like a vicious cycle doesn’t it ??
I am intimately familiar with this because I have wasted countless hours worrying about money instead of using the time I have to make goals, do extra work, or anything that would move me closer to a solution.
Great article, and it’s based on ideas from an NPR.org article titled How Money Worries Can Scramble Your Thinking.
Another thing about Money Management International. They have some excellent ( and free ) E-books on their website related to various debt, finance, entrepreneurial topics.
Today, I downloaded the one called Managing Debt to Improve Your Mental Wealth (c) 2013.
I have been getting calls daily from my creditors even though I have sent them budget spreadsheets and other paperwork showing I don’t make enough to pay what they would like to receive. This e-book came to me at just the right time.
Hope that helps ! It’s good to have you back, J.D. ! I’ve been reading you only since about 2010, but you have a valuable perspective in the P.F. community.
Sincerely,
Ben Martin
La Grange, IL
http://Www.momentumcard.com used in a smart way will yield 6% annually which is better than any bank out there. There are fees but again used intelligently will still give you a very nice return. Any book by Julie Stav or Robert Kyosaki is a must read. The book 4 day work week gives you a ton of ideas to maximize your life thus saving money in the process
The Affluent Investor is the best book I’ve read in years. Highly recommend it, and better yet, I got it for less than $5 through Amazon’s ebook download.
I use Check (formerly PageOnce) for keeping track of accounts.
As for apps, I like Zite, which allows me to follow personal finance from various sites. I’m also a fan of Learnvest, which has a variety of personal finance tools (although I only read the articles). And I’ll give an old school plug to Consumer Reports, which I recently learned I can read for free online with my local library subscription.
I continue to bank with Schwab, which has consistently high service levels. But I’m seriously considering Ally for cash given all the comments here.
One more thing – Citi Thank You Preferred with no annual fee. It’s great for the flexibility of cash or gift cards. Of course, I pay it off every month.
Love this post and good to see you’re back JD. As a financial planner I have to say that we are the best resource available – but my opinion may be just a little bit biased.
I use Mint/Personal Capital.. works for my needs. I do want to use SigFig but it does not support my 401k brokerage.
I think this is among the most vital info for me. And i’m glad reading your article. But wanna remark on few general things, The website style is wonderful, the articles is really excellent : D. Good job, cheers|