On September 18th, the U.S. Federal Reserve lowered its targeted Effective Federal Funds Rate (EFFR) – the rate at which banks borrow and lend each other money- by 0.5% …

Update to readers: as of March 9, 2025, the U.S. federal government stopped filling orders for free COVID tests on the USPS test kit site. It really is not …

Heads up to current and potential Costco members: Costco increased their annual membership fees for both the standard Gold Star ($5 annual increase) and Executive memberships ($10 annual increase) …

I recently highlighted a few different alternatives to stocks and low-interest cash savings. One of the options I mentioned was a money market fund (also known as a money …

At a recent social gathering, I was introduced to a pediatric surgeon – a younger guy, probably in his early 30s. We got to chatting about what we do …

I’ve been a huge advocate for health savings accounts (HSAs) for many years. While I worked for a MegaCorp, I participated in a high deductible health plan (HDHP) and …

I’ve written about how you can shop at Costco without a membership in the past. One of the few ways to do so is through Instacart. Costco has taken …

My initial perception of Instacart was that it was a “convenience premium” service. What exactly does that mean? Well, in the case of Instacart, you pay a premium for …