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The American Express Platinum Card The American Express Platinum Card is a new premium credit card launching in New Zealand. With a strong Membership Rewards earn rate, extensive travel and dining perks, and a generous welcome bonus, it is designed for people who want more from their card. Home > Credit cards The breakdown 160,000 bonus Membership Rewards Points when you apply by 30 November 2026, are approved, and spend $2,500 on your new card […]
Here you’ll find estimated United States Individual Income Brackets for 2026. Also, find the average, median, and top 1% of individual incomes in the United States. Incomes are earned between January and December 2025, and data is comprised of individuals who worked (or wanted to work) in 2025. Individual income benchmarks in 2026 The most important summary statistics for income – whether individual or household – are median, average, and top 1% income. These statistics […]
You read that right, we’re bringing the holiday spirit earlier this year with a discussion on how early is early … Read more
There’s a new Department of Transportation rule that changes how U.S. airlines handle flight delays and cancellations. The rule added ten new situations that are now considered out of the airline’s control, which means they are not on the hook for providing lodging, food, or other services to affected passengers. Here are the ten new situations, directly from the DOT rule: aircraft cleaning necessitated by the death of a passenger, aircraft damage caused by extreme weather, foreign object debris, or sabotage, a baggage or cargo loading delay caused by an outage of a bag system not controlled by a carrier or its contractor, cybersecurity attacks (provided that the air carrier is in compliance with applicable cybersecurity regulations), a shutdown or system failure of government systems that directly affects the ability of an air carrier to conduct flights safely and is unexpected, overheated brakes due to a safety incident resulting in the use of emergency procedures, unscheduled maintenance, including in response to an airworthiness directive, manifesting outside a scheduled maintenance program that cannot be deferred or must be addressed before flight, an emergency that required medical attention through no fault of the carrier, the removal of an unruly passenger, and an airport closure due to the presence of volcanic ash, wind, or wind shear. This makes it especially important to use a credit card that has trip delay or trip cancellation insurance. In the event your flight is affected and the airline is not required to compensate you, you can always lean on your credit card’s insurance policies. You can use this tool below to compare your cards to see which one has the best policies (up to date as of 9/29/2026): #wh-travel-tool{–navy:#123759;–green:#33a36b;–pale:#eff7fb;–line:#dce6ec;font:16px/1.48 system-ui,-apple-system,Segoe UI,sans-serif;color:#183249;max-width:980px;margin:24px auto}#wh-travel-tool *{box-sizing:border-box}#wh-travel-tool .wh-shell{border:1px solid var(–line);border-radius:18px;overflow:hidden;background:#fff;box-shadow:0 8px 30px #12375910}#wh-travel-tool .wh-head{background:linear-gradient(125deg,#103354,#1e6082);color:white;padding:28px}#wh-travel-tool h2{font-size:clamp(23px,3.5vw,32px);line-height:1.15;margin:0 0 10px;color:white}#wh-travel-tool h3{font-size:20px;color:var(–navy);margin:0 0 8px}#wh-travel-tool p{margin:0 0 12px}#wh-travel-tool .wh-head p{max-width:720px;color:#e2f2fa;margin:0}#wh-travel-tool .wh-note{background:#fff7e6;padding:15px 22px;border-bottom:1px solid #efdfb9;font-size:14px}#wh-travel-tool .wh-controls{padding:22px;background:var(–pale);border-bottom:1px solid var(–line);display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:12px}#wh-travel-tool label{display:block;font-weight:700;font-size:13px;margin-bottom:5px}#wh-travel-tool input,#wh-travel-tool select{width:100%;height:43px;border:1px solid #b9cbd7;border-radius:8px;background:white;color:#183249;padding:8px 10px;font:inherit}#wh-travel-tool input:focus,#wh-travel-tool select:focus{outline:3px solid #8bd4b2;outline-offset:1px}#wh-travel-tool .wh-results{padding:18px 22px 4px}#wh-travel-tool .wh-count{font-size:13px;color:#536c7c;margin-bottom:12px}#wh-travel-tool .wh-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-bottom:20px}#wh-travel-tool .wh-card{border:1px solid var(–line);border-radius:12px;padding:18px;background:white}#wh-travel-tool .wh-issuer{color:#516b7a;font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;margin-bottom:5px}#wh-travel-tool .wh-badges{display:flex;flex-wrap:wrap;gap:6px;margin:10px 0 14px}#wh-travel-tool .wh-badge{font-size:12px;background:#e8f5ed;color:#17613b;border-radius:30px;padding:4px 9px;font-weight:700}#wh-travel-tool .wh-badge.muted{background:#ecf1f4;color:#4e6170}#wh-travel-tool dl{display:grid;grid-template-columns:122px 1fr;gap:6px 9px;margin:0 0 14px;font-size:14px}#wh-travel-tool dt{font-weight:700}#wh-travel-tool dd{margin:0}#wh-travel-tool .wh-card a,#wh-travel-tool .wh-foot a{color:#086d61;text-decoration:underline;text-underline-offset:2px;font-weight:700}#wh-travel-tool .wh-link{font-size:14px}#wh-travel-tool .wh-foot{padding:20px 22px;background:#f4f8fa;border-top:1px solid var(–line);font-size:13px;color:#40586b}#wh-travel-tool .wh-foot p:last-child{margin-bottom:0}#wh-travel-tool .wh-empty{padding:20px;border:1px dashed #b9cbd7;border-radius:10px}@media(max-width:700px){#wh-travel-tool .wh-controls{grid-template-columns:1fr}#wh-travel-tool .wh-grid{grid-template-columns:1fr}#wh-travel-tool dl{grid-template-columns:105px 1fr}} Does your credit card cover a flight delay?Compare travel protections on 27 popular U.S. cards. A qualifying delay may help pay for a hotel, meals, or other essentials when the airline does not. Short overnight delay? Some guides have a separate exception when a covered delay requires an overnight stay, even before the hour threshold. Crossing midnight by itself is not necessarily an overnight stay. See the overnight line for each card, ask the airline what it will provide, and keep its written reason for the disruption. “More than 6 hours” excludes exactly 6 hours unless the separate overnight condition applies. Find your cardProtectionAll listed cardsTrip delayTrip cancellation / interruptionBaggage protectionInstant delay creditIssuerAll issuersAmerican ExpressBank of AmericaCapital OneChaseCitiU.S. Bank How to use this: Pay for eligible travel with the qualifying card
Silo Markets is an investment rewards program that will pay you points for holding your portfolio there. Your assets are held at Interactive Brokers, a publicly traded brokerage firm with 5+ million customers and nearly a trillion dollars in customer equity. Interactive Brokers is a member of SIPC. Silo Markets is relatively new, having been founded in late 2023, but their model involves giving you rewards on your portfolio’s assets. In return, you pay an annual fee. You’re essentially earning rewards for putting your assets with Silo (really, with Interactive Brokers). Quick take: Silo pays 0.5 points per dollar (worth 0.5% in cash) on your balance each year, minus a $95 to $960 annual fee. It works best for buy-and-hold investors with at least $80,000 to move, and Platinum only beats Gold above about $344,000. The Platinum transfer bonus ends September 30, 2026. Here’s how Silo Markets could put more money in your pocket: Table of ContentsPlatinum Transfer Bonus: Up to 300,000 Points (Ends Sept. 30, 2026)You Earn Silo Points Every YearWhich Plan Is Best for Your Balance?How Much Are Silo Points Worth?What Does It Cost to Trade?What’s The Risk?How Does This Compare?Frequently Asked QuestionsIs Silo Markets safe?How much are Silo Points worth?When does the welcome bonus post?Do Silo Points expire?Is there a minimum balance? Platinum Transfer Bonus: Up to 300,000 Points (Ends Sept. 30, 2026) New Silo Platinum members can earn bonus points on money they move to Silo. Transfers (ACH, wire, check, ACATS, or an internal Interactive Brokers transfer) must be initiated by September 30, 2026 at 11:59 p.m. PT. (After the deadline, the maximum you can get is only 250,000 points) The bonus is tiered: 0.5 points per dollar on the first $200,000 (up to 100,000 points) 0.25 points per dollar on the next $800,000 (up to 200,000 points) Nothing on transfers above $1,000,000 That’s a maximum of 300,000 points ($3,000) under the Platinum bonus terms. Blue Rewards only gets you a $5,000 point bonus while Gold Rewards are listed with a 100,000 point welcome bonus. Amount transferredBonus pointsCash value$100,00050,000$500$250,000112,500$1,125$500,000175,000$1,750$1,000,000+300,000$3,000 Bonus points post on the 10th of the month after the deposit window closes, or once all assets have settled, whichever is later. It’s one welcome bonus per Social Security number across all Silo accounts. Platinum costs $960 a year and requires at least $25,000 in the account, so the bonus only makes sense if you’re moving a significant balance. 👉 Learn more about Silo Markets The “Up to X points per year” includes the new account bonus. You Earn Silo Points Every Year The welcome bonus is a one-time offer but every year you can earn more Silo Points based on your net liquidation value (NLV). NLV is calculated as the value of the brokerage account if everything is liquidated. This is calculated by Interactive Brokers at the market close on the last business day of each month. Here’s how much you’d earn each year holding your assets at Silo Markets: PlanAnnual feeBalance earning
Saving money often means being smart and disciplined: cutting out luxuries, sticking to budgets, and maybe brewing your own coffee instead of grabbing a $6 latte every morning. Some frugal tips are pretty common knowledge, such as buying generic brands, shopping for things on sale, and eating at home instead of dining out. However, there are a lot of others out there that relatively few have heard about. A few of them sound a little silly when you say them out loud. Buying extra lip balm? Paying a fee to have groceries delivered? Wearing your hood indoors? They look wasteful, or just plain odd, until you see what they do for your budget. Here are nine habits that earn their spot. You don’t have to try them all. Pick the ones that fit your life, and let the rest make you smile. Buy More Than One Lip Balm This might sound wasteful, but there’s good sense behind it. How many times have you forgotten where your lip balm is and had to buy a new one? Some people get one for work, one for the car, one for the bathroom counter, and so on. The same idea works for other small things that constantly go missing, like nail clippers, phone chargers, or reading glasses. A cheap backup in the spot where you need it costs less than replacing the original over and over, and it saves you the annoyance of a last-minute store run. And if you manage to get the extras for ridiculously cheap while couponing, then all the better! Pay the Fee for Grocery Delivery Grocery delivery usually comes with an extra charge, so it might not sound very frugal. However, ordering remotely will cut down on impulsive buying and make you more likely to order just what you need, and the savings will exceed the surcharge. Think about the last time you walked into a store for milk and left with a full cart. When you shop from your phone, there are no end-cap displays, no free-sample tables, and no snacks calling your name while you’re hungry. A written list plus a delivery order is one of the easiest ways to keep your grocery total in check. Keep a Bin of “Someday” Odds and Ends Use a separate bin or cabinet for storing and organizing little things left over from previous usage that you might need in the future. An example would be a hex tool that came with a bookshelf you put together. It’s the extra cabinet knobs, the spare screws, the leftover furniture bolts, and the tiny wrench from that dresser. Most of us toss these things and then buy replacements a year later. Keeping them in one labeled spot means the next small repair costs you nothing. Add Water to Your Dish Soap and Laundry Detergent A liquid dish and laundry detergent can last a lot longer if you add water to it. It’ll still do its job most of
If you want to understand the wealth of the typical American household, the resources are excellent. Not only are there free public data sources, but there are also many great books that detail how people live across The Wealth Ladder. For example: For Level 1 (
This post is based on Mydoh’s current features, pricing and terms as of September 2026. Teaching kids about money can be surprisingly difficult. We can explain saving, budgeting, spending and earning, but eventually kids need to actually use money if they’re going to understand it. … Read moreMyDoh Review: Is This Money App Worth It for Kids? The post MyDoh Review: Is This Money App Worth It for Kids? appeared first on Genymoney.ca.
I went to a smaller school in my early education days. It ran from kindergarten through 8th grade and had probably 300-400 students at the most. My grade had maybe 30-35 kids in it and, except for a couple of kids coming or going over the years, we all stayed together in every class over our 8 years there (they didn’t have kindergarten at that school when we started). Every year, the higher-grade classes (probably […]
Attention UK investors! Remember our massive broker comparison table? Well, we’ve rolled up our sleeves and updated it again to help you find the best online broker for you. Vacuuming Buck House with a straw would be more fulfilling. But it would not have produced a quick and easy overview of all the main execution-only investment services. Investment platforms, stock brokers, call them what you will… we’ve stripped them back to basics for you to eyeball […]
When our kids were little & way too young to actually carve a pumpkin for Halloween, we learned all about PAINTING PUMPKINS instead. We did this for several years until they were old enough to use carving instruments. To this day, I still like painting pumpkins better than carving them because it’s so lessKeep Reading 10+ Cute Ways to Paint on Pumpkins {Easy Designs!} was originally published on WhatMommyDoes.com
A friend called me recently. A few of his investments had slowed down, one had stopped paying entirely, and we spent twenty minutes working through what the losses might look like and whether he could write any of it off. Then he mentioned, almost in passing, that the money he’d put in wasn’t his. He’d borrowed it. That changed the conversation completely. We weren’t talking about investments that might underperform anymore. We were talking about […]
People under the age of 40 have never experienced a prolonged bear market. That’s an entire generation of investors for whom Buy the Dip has always worked, and they never had to wait long for it. They don’t know what it’s like to wait 2, 3, 4 or more years to breakeven. After the financial crisis, I spent a decade convincing investors they needed to take more risk. Now I have to convince people to take less risk. I’m not very good at it, yet. It’s a new skillset. Greed is absolutely a more difficult emotion to overcome than fear. That must be why Greed is one of the Seven Deadly Sins. I miss when social media rewarded authenticity. Today, social media rewards people who become a caricature of a role they play to satisfy the algorithm. Once a person surrenders to a popular online persona, they lose a little bit of their ability to live an authentic life. More followers magnify this problem. During the mid 2010’s, there were communities on Twitter sharing opinions, research, and information with humor and wit. I could connect with like-minded people all over the world, simply by typing a thought in less than 140 characters. All text, no photos, no videos. Today every moment of ‘life’ must be carefully recorded, curated, edited, and shared. Those who know their best camera angles and duck lips are rewarded. Extra points for the fast-talking voice over narration scripts. We are truly living in Gary Shteyngart’s dystopian future from Super Sad True Love Story. People will find any reason to hate bonds. After the financial crisis, interest rates were so low, that people ditched bonds for other alternatives. They increased their risk allocation to equities, bought copious amounts of private investment funds, and held cash on the sidelines. Today, the excuse is that bond prices are at risk on rising interest rates. The double digit bond market decline in 2022 didn’t help the case. Why own bonds when stocks have gone up double digits for the past four years? But bonds are more attractive than they’ve been in half a generation. Long-term TIPs had a real yield of 3% earlier this year, the highest rate since 2008. Municipal bonds have after-tax yields over 7% in high tax states like California and New York. Often the best time to buy an asset class is when it is the most hated. AI will make critical thinking skills both more valuable and harder to obtain. There is a reason students have to learn how to write a proper essay, with a thesis, supporting evidence, and a conclusion. The process of constructing an essay teaches reason and judgment. Math students roll their eyes at having to perform calculations by hand, but how else can one learn to properly use a calculator or a spreadsheet without understanding the mechanics of solving a formula? The internet has been a cheat code for three decades. Before that, we had Cliff’s Notes if we didn’t