Last-Minute Gifts: Amazon Gift Card Discounts including Starbucks, Whole Foods, Boston Market, Hotels.com, Free Holiday Tins, Etc.

Look for Amazon to offer up lots of discounted gift cards and/or bonus stuff with gift cards for procrastinators, most guaranteed to arrive by Christmas. Click, click, done. Some of these deals are good enough for self-gifting.

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Up to 20% off Various Retailer Gift Cards. These go in and out of stock and the retailers vary. They had Whole Foods but that sold out quickly (may go in and out, waitlist was available for me). Right now I see Boston Market, Coldstone, Hotels.com, and Famous Footwear.

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Get $5 Amazon promo credit if you buy $50 in Starbucks gift cards. Applies to digital gift cards only. Use promo code COFFEE. You should see details under “Special offers and product promotions”.

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Free Snowflake Gift Tin with Amazon Gift Card. Make your gift card stand out and feel more substantial with a free tin. Also available in Snowman tin, Santa tin, Holiday Pop-Up box, and red ornament tin.

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Free Limited Edition Gund Teddy Bear with Amazon Gift Card. Posted about this earlier, looks like the minimum is still $100 for now.

I’ll keep updating this post as I’m sure Amazon will roll out some more deals later.

MMB Ultimate Interest Rate Chaser Calculator

calc150Thinking about moving your cash to a different bank account with a higher interest rate? It’s been a while, but the short-term rates on online savings accounts are going up. Don’t get paid nothing by your megabank. Use this handy calculator to find out how much more money you could earn by switching, which you then can weigh against the time and effort required.

My Money Blog Ultimate Rate Chaser Calculator

How much money are you going to move? (no commas) $
Enter the interest rate (APR) currently being earned:   %
Enter the new interest rate (APR):   %
How many days of lost interest will you have?   day(s)
The approximate number of days you must keep your money at the new rate to break even money-wise is:   days
Assuming the rate difference remains the same,
in 1 month you’ll have earned an extra (estimated):
  
After 6 months, you’ll have earned an extra (estimated):   

Notes

  1. This calculator is based on a rate-chasing breakeven time formula developed previously which takes into account the “days of lost interest”, or the time in between transfers where the money is not earning interest in either account.
  2. Although you will get a very similar answer either way (especially for low interest rates), note that it asks for APR, not APY. I also made a APY to APR calculator if you only have APY and want to be exact.
  3. Usually, there can be between 0-3 days of lost interest when going from one bank to another. This depends on the policies of either bank and also which bank initiates the transfer. This value can significantly affect the break-even time.
  4. The 6-month value (182 days) isn’t simply 6 times the 1-month value (30 days), as the calculator takes into account the time needed first to “break-even”.
  5. Another factor to consider is how likely the current rate difference will persist. Interest rates on savings accounts can change at any time, whereas certificates offer a fixed rate over the guaranteed period.

Last updated 12/14/17.

Gyft Promo Code: $5 off $50 Lowe’s Gift Gard

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Gyft just sent me an e-mail that you can get $5 off a $50 Lowe's gift card with promo code holiDIY, good for existing customers. Offer ends 12/25/17 at 11:59pm ET or while supplies last. The terms say that the promo code can be redeemed 5 times … [Read the rest]

Fundrise Starter Portfolio eREIT vs. Vanguard REIT ETF: Comparison Setup

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This is a follow-up to my post about exploring the real estate crowdfunding capital stack. I have started an experiment to compare the equity side with comparison between a real estate crowdfunding start-up (Fundrise eREIT Starter Portfolio) and a … [Read the rest]

Robinhood App Review: Free Stock Trades, Free Options Trading, No Minimum Balance

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Updated. The Robinhood app just announced free options trading, which expands their suite of services to the following: Unlimited free stock and ETF trades with no minimum balance requirement. Free options trading. No commission and no per … [Read the rest]

Good News: Here’s How the World Has Improved Over the Past 25 and 50 Years

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Bad news seems to come at us from all angles, but sometimes we need to step back and point out the good news. Here is a chart of how the the worldwide level of hunger, poverty, illiteracy, child poverty, and pollution has fallen over the last 25 … [Read the rest]

Amazon Coupon Code: $5 off $15+ of Print Books

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New book coupon code. Amazon has $5 off $15+ of print book purchases with promo code BOOKGIFT17. Can be one book or multiple. Offer expires at 11:59pm Pacific 12/14/17. Must be sold by Amazon.com. Here are some popular recent books that are … [Read the rest]

Emerging Markets ETF Comparison: Vanguard, iShares Core, and Schwab

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The Vanguard Blog has an article Is price everything for ETFs? that reminds us that while low costs may be the most important factor in ETF selection, it is not the only factor. When there are multiple ETFs covering similar asset classes, the DIY … [Read the rest]

Ally Bank 11-Month No Penalty CD at 1.60% APY for $25k+, 18-Month CD 1.75% APY

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Updated. Ally Bank raised the rate on their 11-month No Penalty CD. Here are the new interest rates under their tiered structure: 1.60% APY at $25,000 minimum opening deposit 1.35% APY at $5,000 minimum deposit 1.15% APY at no minimum … [Read the rest]

Navy Federal Credit Union CD Special: 2.25% APY for 15 Months w/ Add-On

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Navy Federal Credit Union (membership now limited primarily to those with military affiliation) announced their year-end limited-time Special Certificates: 15-month Certificate at 2.25% APY. Open with $50 minimum. Make additional deposits … [Read the rest]

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review: 60,000 Miles Limited-Time Offer

Citi Platinum Select AAdvantage Visa Signature Card

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, from our partner Citi, is running a limited-time offer on their co-branded American Airlines credit cards.  Here are the updated card highlights: For a limited time, earn … [Read the rest]

Wyndham Rewards Visa Card: 45,000 Point Bonus (Worth 3 Free Hotel Nights)

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This Wyndham Rewards Visa Card special link (annual fee version) is currently offering a limited-time sign-up bonus of 45,000 Wyndham Rewards points. This is enough points to be redeemed for 3 award nights at nearly any Wyndham property with no … [Read the rest]