Good morning Reader!

If you're concerned about gas prices, I have a simple tip - slow down. The faster you drive, the less efficient your car will be. And that means you are spending more money at the pump.

Instead of going 70 MPH, go 60.

It's also safer that way, up to a point. I wouldn't creep along at 45 on a highway but slower speeds means you have more time to react to surprises.

Slow down and arrive safe!

💲 Best Bank Rates (as of 9/29):

💰 High Yield Savings - 4.20% APY + $400 Bonus from SoFi​

🏛️ Short Term Treasury - VBIL 3.66%, SGOV 3.67%

📀 Certificates of Deposit (see all 40k+ rates)

🔍 Below are nationwide rates, CD Valet has local rates which can be higher so click through to double check for your state.

• 9 months: 9% from Southland Credit Union (anniversary special)
• 12 months: 4.35% from Credit One Bank​
• 36 months: 4.50% from Credit One Bank​
• 60 Months: 4.40% from Sallie Mae​
• 120 Months: 4.60% from First National Bank of America​

💵 Bank Bonuses - $800 from E*Trade, $450 US Bank, $200 Barclays, $400 SoFi, $500 Bank of America & more​

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✈️ New DOT Delay Exceptions

There's a new Department of Transportation rule that changes how U.S. airlines handle some flight delays and cancellations. They added 10 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.

I created a tool that looks up the trip delay and cancellation policies of 27 popular credit cards so you can pick the right one to pay with.

These protections aren't as good as actual travel insurance but they're at no extra charge, so you might as well use them!

If you have a card not listed in the tool (and it has trip insurance), let me know and I'll add it!
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​👉 Trip Delay & Cancellation Insurance Lookup Tool​

🍎 Investing Instead of iPhone?

What if, instead of buying every iPhone, you invested the money instead?

What if you only bought every other iPhone? Or every 3rd? How much money would you have if the difference were invested in the S&P 500?

​👉 Watch: New iPhone or $150,000!​

🗞️ Money Stuff I Found Interesting

Here are some interesting articles you may have missed:

• ⭐ Across Cultures, One Key to Happiness Stands Out [MIT Press Reader] - In case you needed a reminder, it's relationships.
• ​A treasure hunt for rare coins is coming to 4 American cities [Popular Science] - For those in Miami, Philly, SF, or Boston.
• ​The High-Stakes Pursuit of Smuggling Butter Home From Paris [WSJ] - Would you smuggle butter?
• ​The science of self-worth (and how to boost yours) [NPR]

💵 Good Deals If You Need Them

• ​Cardpointers+ price is going up October 1st, to lock in cheaper pricing, get it now. Our review.​
• ​50% off Quicken Simplifi - 7-day trial and then just $3.49 a month for Quicken Simplifi.
• ​Fetch is a free app that gives you points for scanning receipts, get 2000 points after your first receipt. (here's our review)
• ​Check if you're overpaying for car insurance (it's free, you should do this annually)

What did you think of today's email?​
✅ I Loved It! 🟨 It Was Okay ❌ Not My Favorite​

Talk to you soon!

Jim

PS. I'm starting a Youtube channel. Right now, I just post the short videos I create on Instagram. I'm going to do longer videos - what would you like to see me cover? (to subscribe, click here)

​(see archive of previous emails)​