Promoting Financial Wellness 

Useful and Interesting Personal Finance Tools

Below are money tools (i) I personally use AND (ii) find beneficial and/or entertaining. The list is periodically updated and is organized in no particular order. Some of the links provided below are my personal referral URLs. We both get perks if you register and complete certain steps through them. The perks will be clearly stated on the signup page. Financial tools carry inherent risks. Please do your own research. I cannot be held responsible for any financial losses you incur from using these tools. Past performance is not a guarantee of future results. 

• • SoFi provides access to most of what you'd need/want for personal finance, including banking, high-yield savings, credit cards, investments, crypto, personal and business loans, and life insurance, all in one place with quite impressive incentives. If you bank with them, their Smart Card offers unlimited 5% cash back rewards on groceries. 

  • Capital One Savor Credit Card gives 3% on dining, entertainment, and groceries. Why not get the most out of the fun things in life? 

  • Gemini Credit Card offers up to 4% in cryptocurrency rewards on purchases. No annual fees. At the time of this writing, they offer 4% on gas, EV, and transit, 3% on food and dining, and 2% on groceries. For the rewards, you can choose among BTC, ETH, SOL, etc. Of course, the value of the rewards fluctuates with the value of the crypto. While I am in no position to predict whether their system can beat the good old dollar cashback, it is a very fun card to play with. 

  • Rakuten gives cashback for purchases at so many places. I have tried many cashback plugins, and they consistently come out at the top. Sometimes, a whopping 20% can happen! 

WalletHub Expert Commentaries

I write expert commentaries for WalletHub as a part of my bigger goal to promote personal finance literacy. When the topic of their blog post is updated to reflect the latest market information, WalletHub replaces the old expert commentary with new commentary by possibly other contributors who share my passion. In such cases, I deactivate the corresponding links above because they no longer drive visitors to the correct pages. 

• • Visa Credit Cards (2026)

  • Balance Transfers (2026)

  • Zero-Based Budgeting (2026)

  • Budgeting Apps (2025)

  • Credit Cards for Business Owners (2025)

  • Borrowing with Bad Credit (2025)

  • Military-Oriented Insurance (2025)

  • Loans for Veterans (2024)

  • Personal Loans: Banks, Credit Unions, and Online Lenders (2024)

  • Applying for Credit Cards with No Credit (2024)

  • Balance Transfers (2023)

  • Student Credit Cards (2023)

  • Installment Loans for Bad Credit (2023)

  • Credit Cards and Bad Credit (2022)

  • Lowering Your Car Insurance Premiums (2022)

  • National vs. Local Car Insurance Providers (2022)

  • Personal Loans (2021)

Physical and Mental Health 

Programs That Incentivize

• • My Health Novel: A comprehensive, employer-sponsored health portal at NSU. Through it, you can access HabitNu (coached physical health), Calm (meditation, sleep, and mindfulness resources for mental health), Digbi (gastrointestinal/GI health), and women's health program(s) that I am not qualified to review. I have to admit I initially signed up for the free Fitbit advertised in their promotional emails (the HabitNu Program provides it as a milestone trophy, in addition to a smart scale). As I progressed through the first week, however, I found myself enjoying the group very much. There are even online group meetings with our coach. :)