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Updated offer for 2026. May sure you enroll first! Marcus by Goldman Sachs is offering a up to a $1,500 deposit bonus (starting at $100 bonus on $10,000 in new funds) into their online savings account within 10 calendar days of enrollment at this special offer page. Valid for both new and existing customers. You must enroll first by 3/11/26 and maintain the new funds for 90 days (after the end of the 10-day funding period, so possibly up to 100 days total). You then get the bonus after another 14 days. No offer or promo code required. They have done a similar promotion in past years (and it’s nice that you can keep doing it). Here are the tiers:

After enrolling, you must deposit $10,000 or more in new funds from an external account into your Account within 10 calendar days of enrollment (the “Funding Period”). The Account balance plus a minimum of $10,000 in new funds (the “Required Dollar Amount”) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at 12 am ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer.

Important disclosures: Enroll your Online Savings Account in the Offer, then deposit (within 10 calendar days of enrollment) and maintain at least $10,000 (for $100 bonus), $50,000 (for $750 bonus), or $100,000 (for $1,500 bonus) of New Funds, plus your balances in your enrolled account and across all Marcus accounts as of 6:00 pm ET on 1/27/26, for 90 days after the 10-day Funding Period. Withdrawals made by you or a joint owner while enrolled, including CD maturities to non-Marcus accounts or CD early withdrawals, may result in a lower bonus or losing eligibility, depending on your balances.

New customer referral offer. If you don’t have a Marcus account yet, if you open with a Marcus referral link from an existing customer, you will a small 0.25% bonus (it keeps shrinking!). That’s my referral link, thanks if you use it! I’d open and get the referral offer first, and then later enroll in this $100 offer as an existing customer.

Bonus math. Here’s how it works out for each tier:

• $100 is a 1% bonus on $10,000 if you keep it there for 90 days, which makes it the equivalent of ~4% APY annualized.
• $750 is a 1.5% bonus on $50,000 if you keep it there for 90 days, which makes it the equivalent of ~6% APY annualized.
• $1,500 is a 1.5% bonus on $100,000 if you keep it there for 90 days, which makes it the equivalent of ~6% APY annualized.

The bonus is on top of the standard interest rate, currently 3.65% APY as of 1/29/2026. Compare with my latest update of best interest rates. I have gotten a similar Marcus bonus in the past with no issues. Make sure you enroll at the link above first before transferring in your new funds.

Offer is back, updated details, expires soon. American Express is again promoting their Rewards Checking Account with a new $250 direct deposit bonus. The bonus requirements are pretty straightforward:

• Open your first American Express Rewards Checking Account in your name by 1/31/2026,
• Receive a total of $5,000 or more of Qualifying Direct Deposit(s) within 90 days of account opening.
• After you have completed the above qualifying criteria, American Express will deposit the Welcome Bonus into your Rewards Checking Account within 8-12 weeks.

This bonus is targeted for existing consumer credit cardholders, and possibly savings accountholders:

Who is eligible to apply for an American Express® Rewards Checking account?

Applying for an American Express Rewards Checking account can be completed in minutes. We are currently accepting applications from Card Members with a U.S. Basic Consumer Card issued by American Express National Bank (AENB) with at least 5 days tenure. We may also accept applications from Additional Card Members on a U.S. Basic Consumer Card issued by AENB, Customers with an existing High Yield Savings Account and CD with at least 5 days of tenure who are not existing US Basic Card Members.

Submitted applications will be reviewed promptly with decisions that can be provided within minutes.

If you log into your personal credit card account, the application is mostly auto-filled and just takes a few clicks. There is no hard credit check.

Here are some quick highlights about the Rewards Checking account:

• No monthly fees, and no minimum balance requirements.
• 1.00% APY (as of 1/29/26)
• Earn 1 Membership Rewards® point for every $2 of eligible Debit Card purchases. You can combine these points for redemption using your other AmEx cards.
• Unlimited fee-free ATM withdrawals at over 37,000 MoneyPass® ATM locations nationwide.
• Mobile check deposit is available.
• Free paper checks are not included, but you can purchase them at additional cost.

From the full terms and conditions:

A Qualifying Direct Deposit is a single ACH transfer from an employer or the government for a paycheck, pension, government benefit (such as Social Security), or tax refund. Qualifying Direct Deposit(s) totaling at least $5,000 or more are required to qualify for this offer. The following are not Qualifying Direct Deposits: person to person transfers (P2P) such as money transfer apps, deposit account to deposit account transfers (for example, from a checking account to another checking account or from a savings account to a checking account), deposits or ACH transfers not from an employer or the government (for example, online transfers or bank transfers), internal transfers from your American Express® Savings account, deposits made via check, and Membership Rewards® points redemption for deposits.

Fixed for 2026. I initially wrote this calculator in 2007. Hey, at least you know it wasn’t AI! Some of you may be wondering how well your specific portfolio performed last year (or over any specific period of time). Let’s say you started the year with $10,000 and put in another $5,000 through 10 different deposits spaced throughout the year, and ended up with $16,000. What was your rate of return? Your main goal is simply to separate the effect of new deposits (or withdrawals) and your actual return from investments.

Figuring out your exact personal rate of return requires you to know the exact dates of all your deposits and withdrawals, along with a financial calculator or spreadsheet program with an IRR function (example here). However, for a quick and simple estimate of your returns, try this calculator instead:

Instructions

1. Get your initial balance. This is probably from your brokerage statements. Try January of last year.
2. Tally up any deposits or withdrawals. For example, let’s say you know you put $3,000 in your Roth IRA and also 5% of your $40,000 salary into a 401(k). That would be $3,000 + $2,000 = $5,000. That’s it, you don’t need to worry about looking up the specific dates and amounts.
3. Get your final balance. Your December statement is probably available already.
4. Find the time elapsed (in years) between your initial and final balances.
5. Hit Calculate. An estimate of your annualized return is instantly given.

How Accurate Is This Estimate?
The calculator assumes that the inflows and outflows are spread evenly around the middle of the year. I originally saw this method in the book The Four Pillars of Investing (review). However, unless the deposits and withdrawals are very large as compared to the initial balance, the estimates are actually pretty good.

For example, let’s say that you start with $100,000 on 1/1/2025, and end up with $120,000 on 1/1/2026. If you had net deposits of $10,000 during the year, the calculator above would estimate your return at 9.52%. If the $10,000 was actually deposited all at once on one of these specific days, you would get the following exact returns:

Also check out the rest of my Tools and Calculators.

I haven’t paid “full price” for a cellular phone plan for decades, but that doesn’t mean there haven’t been any trade-offs. Mobile Virtual Network Operators (MVNOs) buy network capacity in bulk from major carriers (MNOs like T-Mobile, Verizon, AT&T) and resell them to individual customers. For a while, the main trade-off for going with an MVNO (which buys bulk minutes and data from the major carriers) was slightly worse cellular coverage due to a lack of roaming agreements with other carriers. If you were on a AT&T MVNO, you could only use AT&T cell towers.

These days, the primary catch is data de-prioritization. To manage the demand, there are different Quality of Service Class Identifiers (QCI levels) that have different priorities on the network. In areas where there are a lot of people, especially things like concerts and sporting events, there is a lot of demand and those not at the front of the line will notice slow or no data.

This r/NoContract Reddit post provides an excellent collection of the data prioritization policies of the major carriers. It’s still a lot, so I have attempted to summarize everything below as much as possible.

For Verizon, QCI 8 is the highest priority level for consumers. Includes:

• All Verizon Postpaid “Traditional” plans (except “Welcome”).
• Visible+ and Visible+ Pro (owned by Verizon).
• Total Wireless’ Total 5G Unlimited and Total 5G+ Unlimited (owned by Verizon).
• Xfinity Mobile and Spectrum Mobile (owned by cable companies).
• US Mobile Unlimited Premium “Warp” (*for 5G w/ Premium Only)

QCI 9 is a step lower, the base tier. Includes:

• Verizon’s Unlimited Welcome plan (their most basic plan)
• Visible Base plan
• US Mobile Unlimited Starter “Warp” and other Warp plans.
• All other Verizon prepaid MVNOs.

For AT&T, QCI 7 is the highest priority level for consumers. Includes:

• Select AT&T Plans with special “Turbo” data.

QCI 8 is a step lower, but still considered higher priority. Includes:

• Select AT&T Plans with “Extra/Premium/Max” data.
• Cricket Supreme Unlimited, Cricket Sensible 10GB plans (*owned by AT&T)
• H2o, Consumer Cellular, and PureTalk MVNOs.
• US Mobile Unlimited Premium “Dark Star” (*Premium Only)

QCI 6 is another step lower, the base tier. Includes:

• AT&T base Unlimited plans for both AT&T postpaid and AT&T Prepaid.
• All other AT&T plans once the “Turbo/Premium” data is used up.
• Cricket Select Unlimited, Cricket Smart Unlimited plans (*owned by AT&T)
• US Mobile Unlimited Starter “Dark Star” and other Dark Star plans.
• All other AT&T prepaid MVNOs.

For T-Mobile, QCI 6 is the highest priority level for consumers. Includes:

• All T-Mobile Postpaid and Prepaid plans (except “Essentials”)
• Google Fi

QCI 7 is a step lower, the base tier. Includes:

• T-Mobile Essentials plans (their most basic plan)
• All other T-Mobile prepaid MVNOs, including Metro and Mint Mobile (both owned by T-Mobile).

Long-time readers will know that I was with Mint Mobile for a long time. I didn’t need much data back then. But each year, I felt the low priority of Mint Mobile data became more and more noticeable. Anywhere crowded, even an airport, and things would slow down significantly. Oftentimes, I basically had no data at all, which was very frustrating when just trying to call up an Uber. T-Mobile sells a lot of data to MVNOs, so perhaps that’s another reason. I first tried to jump ship to Visible, but they messed up my number port so badly that I couldn’t get 2FA verification codes for days so I quickly switched back to Mint Mobile.

Late last year, after a positive experience with US Mobile’s customer service involving their Apple Watch plans, I decided to switch to US Mobile’s Unlimited Premium plan which offers “Priority Data” on their Warp (Verizon) and Dark Star (AT&T) plans. They run a lot of promotions (often extending them over and over) but I jumped on the Warp plan with Unlimited Premium because it also included a free Apple Watch cellular plan. I’m paying a bit more than I used to with Mint Mobile, but I’ve definitely noticed the improvement in data quality. My number port was nearly instant. With their Unlimited Premium plan, I can even switch between networks for free if one place has better coverage, allowing me access to AT&T and T-Mobile towers.

I am happy with US Mobile as I now have high data speeds, multi-network coverage, reasonable cost, and decent customer service.

The current US Winter Phone Deal is on Dark Star (AT&T). Unlimited Starter for $119/year prepaid upfront ($9.92/mo) for the first year (regular data priority) with promo code WINTER119 and Unlimited Premium for $149/year prepaid upfront ($12.42/mo) for the first year (which offers higher data priority and other perks) with promo code WINTER149. Port-in required. There are also some big discounts on the latest Google Pixel 10 phones and Samsung Galaxy S25 Edge if you scroll down. Starts 1/28 at 11am ET through 1/31.

You can stack the current promo with my referral link to get an additional $25 off:

To qualify for the $25 referral bonus, you must maintain active paid service in good standing for 6 months, port in a new line, and spend a total of $100 on Unlimited, By the Gig, or Smartwatch plans — Other plans, top-ups, devices, add-ons, roaming, and certain promotions (listed at usmobile.com/promo-archive) are excluded. Annual plans will be prorated monthly (e.g. $228 equals $114 after 6 months).

If you want a deal on Verizon (Warp), I’d just wait around for a bit. However, it probably won’t ever be as cheap as this Dark Star (AT&T) deal. I paid $299 for a year of Unlimited Premium (includes Priority Data and Apple Watch cellular plan) during a previous sale. Full price at renewal will be $390/year ($32.50/month), which is still much cheaper than any traditional major carrier plan after you add taxes/fees and $10/month for the Apple Watch add-on.

Callan Associates updates a “periodic table” annually with the relative performance of 9 major asset classes over the last 20 years. Above is the most recent snapshot of 2006-2025, which you can find on their website Callan.com. The best performing asset class is listed at the top, and it sorts downward until you have the worst performing asset. I find it easiest to focus on a specific Asset Class (Color) and then visually noting how its relative performance bounces around.

The Callan Periodic Table of Investment Returns conveys the strong case for diversification across asset classes (stocks vs. bonds), capitalizations (large vs. small), and equity markets (U.S. vs. global ex-U.S.). The Table highlights the uncertainty inherent in all capital markets. Rankings change every year. Also noteworthy is the difference between absolute and relative performance, as returns for the top-performing asset class span a wide range over the past 20 years.