A blog about things I find useful
About 5-10 years ago a friend of mine called me out for being “overfocused” on money. I think that’s a reasonable observation for a person to make about me; even a close friend. But I think I have a reasonable counterargument. Which of the following two hypothetical people is “overfocused” on money? A person who … Read more
I put together a debt repayment calculator tonight. You can download it here (link). I’m sure there are infinite calculators available on the internet, but I enjoyed the modelling exercise. Yellow cells are inputs. Grey cells are calculations. I’m not really sure the demographics of this blog’s readers, but I suspect that most of you … Read more
Nov 2020 update: Doctor of Credit discussion that the 75% BoA Platinum Honors bonus might be killed: https://www.doctorofcredit.com/survey-bank-of-america-might-eliminate-75-platinum-honors-bonus-2-62-5-25-etc/. If this eventually happens, it’ll effectively put the kibosh on the strategy outlined in this blog post. Fingers crossed it won’t happen, though I’m worried that the program’s time is limited…. The first two quarters … Read more
With the chaos in the country/world right now, I acknowledge that everything I could write about on this silly blog is entirely inconsequential. A few days ago it seemed to me that society was on the verge of disintegrating: Racial tensions are high following the recorded murder of George Floyd at the hands of police. … Read more
Succinct Version of the Blog Post (TL;DR): If you have a high deductible plan: and haven’t hit your deductible (and are thus price sensitive) and have an ailment that can be treated via telemedicine Then this is a worthwhile tool that helped us out recently: https://www.goodrx.com/treatment. This blog post is also worth reading: https://www.goodrx.com/blog/telemedicine-true-cost-and-telehealth-price-comparison-chart/. … Read more
June 2023 update: A reader sent me the following email today. I haven’t validated the claim personally, but I have no reason not to trust it. Assuming it’s true, any claim to 5.25% BoA cash back in my original post below should be ignored. I bought a Walmart gift card from Raise on the 31st, and the … Read more