qara.info has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Delta Airlines Hack: Free Credit Monitoring From All Three Bureaus for 2 Years

In early April 2018, Delta disclosed that hackers may have compromised credit card information from ticket buyers on Delta.com between September 26 and ending October 12, 2017. However, as with many of these "cyber incidents", this may just be the … [Read the rest]

qara.info Portfolio Asset Allocation, March 2018

Here is a First Quarter 2018 update for my primary investment portfolio. These are my real-world holdings, not a recommendation. It includes tax-deferred 401k/403b/IRAs and taxable brokerage accounts and excludes our primary home, cash reserves, … [Read the rest]

SaverLife Review: Starting Saving $20 a Month, Get Another $10 a Month Boost

The importance of an emergency fund is often mentioned, but often the hardest thing is to get started. SaverLife.org is a program run by the nonprofit EARN to help working families by encouraging savings. Their idea here, essentially, is to … [Read the rest]

50 State Infographic: How Much Income Do You Need to Afford the Average Home?

HowMuch.net compiled an infographic about the income you need to afford the average home in every US state. The key is that "afford" means that the total cost of housing take up no more than 30% of gross income. The highest income required is in … [Read the rest]

Graphic: The Fall of Pensions, The “Rise” of 401ks and IRAs

Above is a historical chart of US household retirement assets that helps visualize the shift from mostly pensions to mostly a combination of defined contribution plans (401k, 403b, etc) and IRAs. Pension share has gone from nearly 80% of total … [Read the rest]

H&R Block Desktop Tax Software 2017: Fed + State $17.99 (Flash Sale)

Deal of the Day again 4/4/18. The benefit of "old-school" desktop tax software is that it doesn't require your Social Security Number and financial details to be stored in the cloud (third-party server where it can be sold or hacked). Here's a … [Read the rest]

Chase Freedom & 5% Back on PayPal: Use on Federal Income Tax Payments?

The Chase Freedom Visa card has updated its quarterly 5% cash back categories for April 1st to June 30th, 2018. One of the eligible cash back categories is PayPal. April is also the time to make both income tax payments along with 2017 tax returns … [Read the rest]

Book Sale: A Random Walk Down Wall Street + The Intelligent Investor

(Update 4/7: Random Walk is no longer on sale, but Intelligent Investor is still $2.99.) Amazon has the Kindle version of two investment classics on sale for $2.99 each at the moment. These are savings of over $10 from the usual price. A … [Read the rest]

Popular Direct Exclusive Savings Account Review

(Update 5/18/18: Looks like the available rate to new applicants is now down to 1.85% APY. This is why I don't like switching savings accounts nearly as much as locking in a good CD rate.) The Popular Direct Exclusive Savings account, offered … [Read the rest]

Best Interest Rates on Cash – April 2018

This WSJ article had a chart that illustrates why I run this update every month. Deposit rates at the big banks will stay low for as long as enough people don't move their funds elsewhere. The rising Fed rate changes nothing by itself. However, if … [Read the rest]

Tip: Buying Amazon Gift Certificates with an American Express Prepaid Rewards Card

Many promotions will offer a "$50 cash card" sent to you in the mail. I recently received such a $50 American Express Prepaid Rewards card that looks exactly like the image shown in the top-right corner. I am horrible with gift cards and coupons … [Read the rest]

Spending More Money Is Easy. Finding “Enough” Is Hard

Starwood Hotels sent me an e-mail with the subject "Family Traditions at St. Regis with Nacho Figueras". I had no idea who Mr. Figueras was, but you mention "family traditions" and I'm going to click on that like a sucker. It turned out to be a … [Read the rest]

Mitsubishi Pagero аккумулятор купить